The 80/20 Budget Blueprint

5 Prompts That Build Your Spending Plan + Bonus Prompt for $100 Win

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Hey, I’m Kimika — way to go for taking this step!

Allow me to share a bit about myself. In 2016, I had $25 in my bank account, a credit score circling 400s, and almost $150K in debt. Debt collectors called daily, and every ring made me feel smaller.

I didn’t climb out of that hole with some miracle windfall. I started with what I now call the 80/20 Budget — cutting ruthlessly where it didn’t matter, while keeping the few things that kept me sane. That discipline gave me momentum to make bigger moves and eventually pay off ~$150K in debt.

But maybe debt isn’t your issue — maybe it’s keeping more of the money you make, or just feeling like you’re “bad with money.” I've been there. These prompts are still for you.

Because I know “budgeting” can sound like giving up your whole life.
Here’s the shortcut: 5 ChatGPT prompts that build you a custom budget in minutes, using the 80/20 method that worked for me.

Scroll down easy click to copy prompts

Downloadable pdf below

Budget with 5 ChatGPT Prompts + Bonus

How to Use This Guide

1. Open ChatGPT (setting up an account is free and you only need the free version for this guide).
- If you don't use ChatGPT feel free to use Grok, Gemini or Claude either works
2. Copy a prompt below one at a time.
3. After you paste a prompt wait for it to respond.
4. Answer the it ask you honestly — this works best when you’re real about your numbers.
5. Do steps 2 - 4 for each prompt.
6. Save your results and start using them immediately.

Note* At the end of each response its going to ask if you want it to do something else. Ignore that and continue following steps 2- 4 until your done.

Let's Get Started

Prompt 1 – Income & Fixes Expenses

Step One: See the box that says "Prompt to Copy" and the button that says "Click to Copy." Select that button to copy the message then paste it into ChatGPT.

Step Two: See the button that says "Response to Give Chat." Select that button a box will pop up for you to fill in the information ChatGPT needs. Once you fill that out there will be a button for you click-to-copy what you entered then paste it into ChatGPT.

1. Prompt to Copy

In the next message I will give you my monthly take-home income and fixed costs. When I do, please calculate my total fixed costs, subtract them from my income, and show me how much money is left for everything else.

2. Response to Give Chat

Fill this Out

1. Prompt to Copy

In the next message I will give you my top 3 joys that make me happy. Please suggest reasonable dollar amounts I can protect for these joys based on my income, while keeping the 80/20 balance in mind.

2. Response to Give Chat

Fill this Out

Prompt 2 – Identify Your Top 3 Joys

Step One: See the box that says "Prompt to Copy" and the button that says "Click to Copy." Select that button to copy the message then paste it into ChatGPT.

Step Two: See the button that says "Response to Give Chat." Select that button a box will pop up for you to fill in the information ChatGPT needs. Once you fill that out there will be a button for you click-to-copy what you entered then paste it into ChatGPT.

Prompt 2 – Identify Your Top 3 Joys

Step One: See the box that says "Prompt to Copy" and the button that says "Click to Copy." Select that button to copy the message then paste it into ChatGPT.

Step Two: See the button that says "Response to Give Chat." Select that button a box will pop up for you to fill in the information ChatGPT needs. Once you fill that out there will be a button for you click-to-copy what you entered then paste it into ChatGPT.

1. Prompt to Copy

In the next message I will give you my top 3 joys that make me happy. Please suggest reasonable dollar amounts I can protect for these joys based on my income, while keeping the 80/20 balance in mind.

2. Response to Give Chat

Fill this Out

Prompt 3 – 80/20 Allocations Engine

Expected Output:

$ and % for Needs, Wants, Freedom

Inside Freedom: Past vs. Future with recommended $ split

“Fit Check & Fixes” list if allocations are off

Now apply the 80/20 Budget Rule. Allocate 80% of my income to Needs + Freedom (fixed costs, essentials, debt payoff, savings, investing) and 20% to Wants (lifestyle + my Joys). Please break this down in $ and %, and also split the Freedom portion into ‘Past’ (debt payoff) and ‘Future’ (savings/investing). If my current spending doesn’t fit 80/20, show me a quick ‘fit check’ with 2–3 fixes I can make.

Please turn my allocations into a budget blueprint. Break them into these categories with suggested $ amounts: * Needs (housing, groceries, transportation, healthcare, insurance, utilities, phone/internet, childcare, other essentials) * Wants (dining out, shopping, entertainment, travel, misc — with my Joys protected) * Freedom – Past (debt minimums + extra payoff) * Freedom – Future (emergency fund, sinking funds, retirement/investing) Also include simple guardrails (like housing % of income, minimum Freedom %) and flag any red zones.

Prompt 4 – Category Blueprint

Expected Output:

Line-by-line $ categories

Joys visibly highlighted in Wants

Guardrails (e.g., housing % check, Freedom floor check)

Red-zone alerts if out of balance

Prompt 4 – Category Blueprint

Expected Output:

Line-by-line $ categories

Joys visibly highlighted in Wants

Guardrails (e.g., housing % check, Freedom floor check)

Red-zone alerts if out of balance

Please turn my allocations into a budget blueprint. Break them into these categories with suggested $ amounts: * Needs (housing, groceries, transportation, healthcare, insurance, utilities, phone/internet, childcare, other essentials) * Wants (dining out, shopping, entertainment, travel, misc — with my Joys protected) * Freedom – Past (debt minimums + extra payoff) * Freedom – Future (emergency fund, sinking funds, retirement/investing) Also include simple guardrails (like housing % of income, minimum Freedom %) and flag any red zones.

Prompt 5 – One-Month Tracker (Downloadable)

Expected Output:

Downloadable file formatted for Google Sheets

All categories + budgeted $ pre-populated

Actual/Variance left blank for you to fill

Create a one-page budget tracker formatted for Google Sheets. It should include the columns: Category | Budget | Actual | Variance | Notes. Fill in the Budget column using the numbers from my blueprint, leave Actual blank, and set Variance to 0. Provide a downloadable file or link that I can open directly in Google Sheets. Also give me 2 rules for weekly check-ins to stay on track.

+ The BONUS Prompt

Find Your First $100 in 7 Days

Why: This prompt helps you find extra money within your spending

Look at my snapshot and spending categories. Without touching my top 3 joys, find at least $100 I can free up this month. Start with the easiest wins (subscriptions, food delivery, impulse shopping, unused memberships, etc.). Show me exactly what to trim, and tell me where to put that $100 — whether that’s debt payoff, savings, or guilt-free fun.

What if this took a fraction of the time?

Wait ‘til you meet Serin.

You just did the hard part manually — now imagine if a budgeting app did it instantly. That’s Serin. It connects your spending, learns your patterns, and adapts when life changes so you can finally stick with a budget that lasts.

Show me serin

The 80/20 Budget Blueprint

Hey, I’m Kimika — way to go for taking this step!

Budget with 5 ChatGPT Prompts + Bonus

Let's Get Started

+ The BONUS Prompt

What if this took a fraction of the time?

Wait ‘til you meet Serin.

PDF Version of 80/20 Budget Guide

Fill Information Below for Prompt 1

Fill Information Below for Prompt 2