seriously i’ve learned traditional budgets can’t apply to me when i need to maintain a larger margin of error for my discrepancies to absolutely every single thing you’ve mentioned   i am still in undergrad 2 years and the amount of money i have determined i’ve actually put into this degree from dropping classes paying for more to make up credit hours withdrawing and owning collections—the whole cycle you’ve named   i’m paying 112 this month for my 90 storage unit i’ve forgotten to cancel since i finished moving four months ago and got hit with the late fee on because i didn’t prepare to pay it because i thought i would’ve cancelled lol and there goes any purchases outside of bills for the month   i’m learning to prepare for it better and by understanding it i can be mindful to preventing this all but wow yeah the comments too