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Watch for shadow spreadsheets during the trial. Their appearance usually identifies a missing field, weak filter or permission problem. Banning them without understanding why they appeared only hides the gap.

I wouldn’t divide it evenly. First ring-fence an emergency fund that remains untouched, including enough room for the first mortgage payment. Next cover known moving costs, any service charges due around handover and essential inspection items. Furniture should come last; a 5-bed flat can be...