The first months in a new home follow the same shape everywhere: a spike of move-in costs, a payday that has to cover bills and food, and a list of subscriptions you did not audit.

Country-specific templates break the moment you leave that country. The numbers should be plain. You set the currency. The relations and roll-ups stay the same.

If you are moving cities or countries, do not rebuild your money system from scratch. Duplicate one that already links payday → bills → groceries → subscriptions, then replace the sample household with yours.