Act as an experienced personal financial planner. I'll share my monthly income and main expenses, and I need you to help me build an organized, realistic monthly budget. My net monthly income: your monthly income My fixed expenses (rent, bills, subscriptions, etc.): list your fixed expenses My variable expenses (food, transport, entertainment): list your variable expenses My financial goals: e.g., save for a trip, pay off debt, build emergency fund Follow these steps: 1) Analyze my income vs. expenses and calculate available balance 2) Classify each expense as essential, important, or discretionary 3) Suggest a monthly budget using the 50/30/20 rule adapted to my situation 4) Identify at least 3 savings opportunities with estimated amounts 5) Create an action plan to reach my financial goal with a realistic timeline Present the result in a table organized by category with clear amounts. Include an executive summary at the top and practical savings tips at the end. Be direct and use simple language.