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Lately, I've been trying to get better at managing my money, but it feels like a constant tug-of-war. I set a budget each month, aiming to save at least 20%, but unexpected bills or small splurges often throw me off. For example, last week my phone suddenly needed a repair that cost about €150, which wasn’t planned at all. It’s frustrating because I want to build a decent emergency fund but also enjoy life now and then. I try to keep track of every euro I spend, but sometimes it feels overwhelming and I end up ignoring the budget for a few days. I’m curious how others handle these ups and downs? Do you have any simple tricks to stay on track without feeling deprived? Also, if anyone has tips on low-effort side gigs or ways to boost savings that aren’t too stressful, I’d love to hear them.

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