Help me plan a monthly Indian household budget.

Monthly income (after tax): {{income}}
Location: {{city}}
Family size: {{family_size}}
Dependents (parents, kids): {{dependents}}
Current monthly expenses I know: {{known_expenses}}
Major upcoming events: {{events}} (festival, wedding, school admission)
Financial goals: {{goals}}

Return:
1. Suggested budget allocation by category (with %s and rupee amounts)
2. Festival / family obligation reserve (often missed in standard budgets)
3. Where to cut without lowering quality of life
4. Investments / SIPs appropriate for my situation
5. Insurance check — what's likely missing
6. The one financial habit to start this month
7. Realistic 12-month plan to hit my goals