Many of us start budgeting with high energy as we create a spreadsheet that accounts for every single centavo. Then, inevitably, life happens. A friend gets engaged, your laptop suddenly decides to die, or you have a week where you’re so exhausted you end up ordering delivery five nights in a row. Then, the spreadsheet feels broken, the guilt sets in, and the whole plan goes out the window.
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| [image: unsplash] |



