docs: add PHARMACY_BUDGET_CHECKLIST_2026.md preventive pharmacy guide

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+# 🩺 2026–2027 Preventive Home Pharmacy & Family Wellness Budget Checklist
+
+![Family Health, Pharmacy & Botanical Care](https://files.catbox.moe/cpnj0d.jpg)
+
+A structured home pharmacy cabinet prevents stressful late-night emergency pharmacy runs and protects monthly household cash flow during seasonal weather transitions across Saudi Arabia and the GCC.
+
+---
+
+## 1. Three-Tier Home Wellness & Pharmacy Audit
+
+1. **Tier 1 — Acute First-Aid & Fever Readiness (Quarterly Check)**
+   - Calibrated infrared ear/forehead thermometer with spare batteries.
+   - Sterile saline nasal sprays, oral rehydration salts, and hypoallergenic adhesive bandages.
+   - Compare verified pharmacy bundles via [Health, Beauty & Pharmacy Deals](https://usrahone.com/categories/11).
+2. **Tier 2 — Daily Pediatric & Family Hygiene Staples (Monthly Restock)**
+   - Ceramide-rich moisturizing creams suited for air-conditioned Gulf homes, gentle tear-free cleansers, and broad-spectrum SPF 50+ sunscreen.
+   - Consolidate monthly family restocks through [Noon Family Discounts on UsrahOne](https://usrahone.com/stores/51) and [Baby Supplies & Children Toys Coupons](https://usrahone.com/categories/8).
+3. **Tier 3 — Authentic Botanical Hair & Scalp Nourishment**
+   - Replace synthetic fragranced serums with cold-pressed rosemary, sweet almond, castor, and sidr formulations sourced via [Oshba & Zeit Natural Care Vouchers](https://usrahone.com/stores/540).
+
+![UsrahOne Family Household Savings Banner](https://files.catbox.moe/4rm8ax.jpg)
+
+---
+
+## 2. Pre-Purchase SFDA & Batch Verification Checklist
+- Confirm valid product registration and clearly printed production/expiration dates before opening sealed bottles.
+- Store botanical oils and pediatric syrups in a cool, dark hallway cabinet away from bathroom humidity.