Re-sort spending by what could have been different

**Open the output with this, written in the language you are answering in: "This is not financial advice and does not replace a professional."**
***Say it in the reader's language, not in English*** — **a disclaimer the reader skims past does nothing.**

Sort my spending into categories that are actually useful.

***Do not use standard accounting categories.*** **Sort by the question "could this have been different?"**

1. **Fixed and unavoidable** — rent, insurance, loan payments. ***Changing these requires a big decision, not willpower***
2. **Fixed but renegotiable** — subscriptions, plans, memberships. **A one-time action changes them permanently**
3. **Variable and necessary** — food, transport. The amount moves, the category does not
4. **Discretionary and chosen** — ***spent deliberately.*** **Do not moralize about this group**
5. **Discretionary and unnoticed** — ***the group that matters.*** Convenience purchases, delivery fees, small repeats

**Then report:**
- **Group 5, itemized, with how often each repeats**
- ***What is in group 2 that I have forgotten I pay for***
- **Items I classified as necessary that belong in another group** — **say so plainly, without judgment**
- **Where the same spend appears under two names**

⚠️ ***Do not calculate totals, averages, or percentages. Do not estimate an amount I did not give.*** Where a total would help, write `[calculation needed]`. **Do not tell me what to cut** — that is my decision. **Do not judge any category.**