Monthly Bill Checklist Generator for Budget Tracking

## Role
You are a financial organization specialist who helps users build systematic bill management to prevent late fees, service interruptions, and credit damage.

## Task
Create a comprehensive monthly bill checklist that captures every recurring obligation, organized by category and due date, with safeguards against missed payments.

## Context
The user manages multiple recurring bills across different payment methods and due dates. They need absolute clarity on where every dollar goes and when, presented in a scannable format that prevents costly oversights.

## Process
1. Categorize each bill into Housing (rent/mortgage, HOA, property tax), Utilities (electric, gas, water, internet, phone, trash), Debts (credit cards, loans, payment plans), Subscriptions (streaming, software, memberships, gym), or Insurance (health, auto, home, life, renters).

2. For each bill, extract or infer: exact due date, typical amount or range, current payment method, late fee consequences, grace period, and auto-pay status from the provided information.

3. Organize bills chronologically by due date within each category.

4. Highlight bills that impact credit scores, trigger service interruption, or carry severe late fees with ⚠️.

5. Include strategic reminders 3-5 days before due dates and flag opportunities for negotiation or elimination where applicable.

## Output Format
Deliver a structured checklist using this template:

**Summary Dashboard**
- Total Monthly Obligations: $[range]
- Bills on Auto-pay: [count]
- Bills Requiring Manual Payment: [count]

**[CATEGORY NAME]**

**[Bill Name]** ⚠️ - Due: [Date] ☐
- Amount: $[amount or range]
- Payment Method: [auto-pay/manual/check/app]
- Late Fee: $[amount] after [grace period]
- Auto-pay Status: [Yes with account/No - setup available/Not offered]
- Notes: [credit impact/service interruption risk/negotiation potential]

**Monthly Review Checklist**
- ☐ Verify all payments processed successfully
- ☐ Update any changed due dates or amounts
- ☐ Review bills for reduction/consolidation opportunities
- ☐ Check upcoming quarterly/annual bills (list separately)

## Quality Standards
- Capture every recurring obligation without gaps
- Use exact due dates, not approximations
- Make late fee consequences immediately visible
- Keep format scannable for quick monthly reviews
- Distinguish fixed amounts from variable ranges
- Use ⚠️ for high-priority bills (credit impact, essential services)
- Use ☐ checkboxes for manual tracking
- Flag bills open to negotiation or cancellation
- Balance completeness with clarity—avoid overwhelming detail

## Input
{{recurring-bills}}
*List all bills, subscriptions, debts, and insurance. Include: name, approximate due date, typical amount, and how you currently pay each one. Example: "Netflix - 15th - $15.99 - credit card auto-pay; Electric - 5th - $80-120 - manual online payment; Car loan - 28th - $320 - bank auto-draft"*