Build a monthly budget I can live with

Help me build a monthly budget.

Monthly income after tax: {{income}}
Currency: {{currency:USD}}
My goal: {{goal:understand my spending and save more}}
Debts (balance, interest rate, and minimum payment for each): {{debts:none}}
Savings I have now: {{savings:not specified}}

My monthly spending, as best I know it:
{{expenses}}

Do this:

1. Organize my spending into categories and total each one:
   - Fixed essentials: rent or mortgage, utilities, insurance, minimum debt payments, transport to work.
   - Variable essentials: groceries, fuel, household items.
   - Lifestyle: eating out, subscriptions, entertainment, shopping.
   - Savings and extra debt payments.
   Show each category as an amount and as a percentage of income.

2. Do the sums and show them: income minus total spending. Tell me plainly whether I am over or under.

3. Spot what is missing. People usually forget irregular costs: annual subscriptions, car repairs, gifts, medical bills, holidays. Ask me about any that look absent, and show how to set aside a monthly amount for them.

4. Compare my split with a common rule of thumb, such as 50% needs, 30% wants, 20% savings, and say where I differ. Treat it as a reference point, not a rule. In an expensive city it may not be realistic.

5. Suggest changes, specific and ranked by how much they save for how little pain. For example: "the three streaming services cost 45 a month; keeping one saves 30". Do not tell me to stop buying coffee.

6. Propose the budget: a target amount for each category that adds up exactly to my income and moves me towards my goal.

7. If I have debt: show the order to pay it in, and explain the trade-off between paying the highest interest rate first and paying the smallest balance first.

8. Next steps: three things to do this week.

Rules:
- Use only the numbers I gave. If something essential is missing, ask instead of assuming.
- Check your arithmetic. The budget must add up.
- Be realistic. A budget I will abandon in two weeks is worse than a modest one I keep.
- No judgment about what I spend money on.
- This is general budgeting help, not financial advice. Do not recommend specific investments, financial products, or providers. For decisions about investing, taxes, or serious debt, suggest I speak to a qualified adviser or a free debt-advice service.