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Tuesday is when I gut-check the budget against reality. By then, Monday’s cash flow sync is done and I can zoom into spending categories without distraction. I compare rolling 90-day trends to the budget allocations so inflation spikes show…

Budgeting never clicked for me until I simplified everything into buckets I could actually remember. Rent, groceries, transit, fun, future me. That last bucket changed my behavior. Once I named the category, I felt responsible to it — like …