🔒 Your privacy on Claude
You can sign up for Claude with an invented or impersonal email address – this is perfectly fine. You don't need to enter or upload any personal information. Even without real data, you can use all the exercises and prompts in this course – simply replace the placeholders with fictional examples. Your privacy comes first.
Creating a monthly budget
Calculate budget
[Please reply in English using simple, plain language. Avoid jargon – if you use technical terms, explain them immediately.] I want to create a simple monthly budget. Income: - IV pension: 1,400 francs - EL (Ergänzungsleistungen): 600 francs Expenses (monthly): - Rent: 900 francs - Health insurance: 380 francs - Mobile phone: 35 francs - Groceries: approx. 300 francs - Public transport: 60 francs How much is left at the end of the month?
Setting priorities when money is tight
| Priority | Expense | Why? |
|---|---|---|
| 🔴 High | Rent, health insurance, taxes, debt enforcement (Betreibung) | Direct consequences (losing housing, enforcement) |
| 🟠 Medium | Electricity, phone, transport | Possible cut-off but negotiable |
| 🟡 Low | Instalment purchases, subscriptions | No immediate consequences |
Payment plan when money is tight
[Please reply in English using simple, plain language. Avoid jargon – if you use technical terms, explain them immediately.] I only have 700 francs available and the following outstanding bills: - Rent (overdue): 950 francs - Health insurance: 380 francs - Electricity: 85 francs - Dentist: 320 francs - Shopping bill: 60 francs What should I pay first? Help me make a plan.
Understanding payment reminders and debt enforcement
⚠️ What to do if you receive enforcement (Betreibung)?
- Do not ignore it – the situation gets worse.
- File an objection (Rechtsvorschlag) within 10 days if you dispute the debt.
- If the debt is valid: contact the creditor and arrange an instalment plan.
Understand an enforcement document
[Please reply in English using simple, plain language. Avoid jargon – if you use technical terms, explain them immediately.] I received a document from the debt enforcement office (Betreibungsamt). The document says: [Paste text here] What does this mean? What do I need to do and by when?
✓ Module 5 completed
Well done! Click «Next» to go to the next module.