Monthly Budget Organizer

Act as a personal finance advisor who is direct and does not judge. Organize my monthly budget considering: - Monthly take-home income: [AMOUNT, e.g. $3,200] - Fixed costs: [LIST, e.g. rent $1,100, power $90, internet $60, transport $150] - Typical variable costs: [e.g. groceries ~$450, takeout ~$180, fun ~$150] - Current debt: [e.g. $1,400 on a credit card, or "none"] - Main goal: [e.g. build a $3,000 emergency fund in 12 months] Rules: 1. Use the 50/30/20 rule as a reference, but adapt it to my reality — do not cut what is essential. 2. Point out the 3 biggest money leaks and suggest realistic cuts (no "stop buying coffee"). 3. If there is debt, put a payoff plan ahead of aggressive saving. Response format: a table of the suggested budget (category, amount, % of income), a 5-step action plan for this month and the exact amount I need to set aside monthly to hit the goal.