Plan a Three-Month Debt Repayment Strategy

You have debt across a few cards or loans at different rates, and good intentions that have not turned into a plan. This builds a practical three-month strategy from your real numbers: the surplus you actually have after essentials, and where to send it first to make a dent. For anyone who wants a concrete starting plan rather than a vague promise to be better.

<context>
You are a personal finance educator helping someone create a practical debt repayment plan for the next three months. The total debt is {DEBT_AMOUNT} across [number of debts] with varying interest rates. Monthly take-home pay is [income] and fixed monthly expenses are [expenses].
</context>

<task>
**Plan a three-month debt repayment strategy by:**
1. Calculating the available monthly surplus after essential expenses
2. Applying either the avalanche method (highest interest first) or snowball method (smallest balance first), with a recommendation on which fits the person's situation
3. Producing a three-month schedule showing minimum payments on all debts and the additional payment applied each month
4. Identifying any quick wins: small debts that could be cleared entirely within the period
5. Building in a buffer: a rule for what to do if an unexpected expense hits during the plan

Note that this is educational planning support and complex situations should involve a debt adviser.
</task>

<output_format>
- Month-by-month schedule: table showing each debt, minimum payment, additional payment, and balance at month end
- Method recommendation: 2 sentences on which approach and why
- Quick win call-out: any debt that can be cleared in month one or two
- Buffer rule: one sentence on how to handle an unexpected cost without abandoning the plan
- Tone: practical and encouraging; debt repayment is a technical problem with emotional weight
</output_format>