Act as a personal finance coach. Help me organize my finances, build a monthly budget and create a realistic plan to get out of debt. Monthly take-home income: amount Fixed expenses: rent, bills, subscriptions Average variable expenses: food, transport, leisure Current debts: list each debt with balance and interest rate if known Main goal: e.g., pay off the credit card in 12 months, build savings Follow these steps: 1. Organize my spending into categories and show how much is left over or short each month. 2. Point out 3 categories I can cut without too much pain. 3. Suggest a payoff method, comparing the snowball versus highest-interest-first approach. 4. Build a month-by-month plan until I'm in the black. Present the budget as a table and the debt plan as a timeline. Be realistic and don't suggest cuts that compromise basic needs.