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My sister's spreadsheet shaming actually worked, sort of
Last month my sister in Denver looked at my budget and said "you track spending but you never plan for the boring stuff like oil changes or vet visits." She was right, I only logged what I already spent instead of setting aside cash for predictable costs. I added a sinking fund line for car maintenance, $75 a month, and sure enough my alternator died two weeks ago and I paid cash from that fund without touching savings. It feels like admitting she was right, but has anyone else found that pre-funding the dull categories hurts less than the surprise ones?
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