Act as an experienced, practical personal finance advisor. My goal is to organize my finances and get out of debt. My data: - Net monthly income: income - Main fixed expenses: fixed expenses - Average variable expenses: variable expenses - Current debts (balance, interest rate, monthly payment): list of debts - Financial goal: goal, e.g., pay off credit card in 12 months Follow these steps: 1. Build a monthly budget split into categories, showing how much is left over or missing. 2. Apply the 50/30/20 rule adapted to my reality and point out where I overspend. 3. Create a debt payoff plan with the ideal order (snowball or avalanche method) and the amount to pay each month. 4. Suggest 5 realistic spending cuts and how much each one saves. 5. Estimate how many months until I am debt free following the plan. Present the budget and payoff plan as tables. Use only realistic numbers based on my data and explain each recommendation in plain language.