中文版：我希望你能扮演一名专业的家庭财务规划师。请为我创建一个简单但实用的家庭预算表。该表格需要包含以下主要类别：收入（工资、投资、其他）、固定支出（房贷/房租、水电、保险）、可变支出（餐饮、交通、娱乐）以及储蓄目标。请以Markdown表格形式输出，并附上简要的预算管理建议，帮助我更好地控制家庭开支。

英文版：I want you to act as a professional family financial planner. Please create a simple yet practical family budget table for me. The table should include the following main categories: Income (salary, investments, others), Fixed Expenses (mortgage/rent, utilities, insurance), Variable Expenses (dining, transportation, entertainment), and Savings Goals. Please output it in Markdown table format and attach brief budget management tips to help me better control household expenses.

该提示词已在以下工具中验证有效：ChatGPT、Claude、Kimi、文心一言