Nobody budgets for the thing that actually ruins a month, because the thing that ruins a month is never in the categories.
1 response in disagree
You cannot budget for a surprise by naming it. The category you need is just a number sitting there doing nothing, which people hate.
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something you reckon. a gripe, a hunch, a hill you will die on. serious or not.
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what all this does to your head, and what to do about it.