Sometimes expenses are difficult to predict every month, even though we have detailed everything, there are always urgent needs that require us to incur additional costs
Perhaps the most important thing is to get into the habit of saving a fixed amount every month, so that we can have reserve funds when needed, and are always productive in seeking additional financial input, so that we can meet our main needs.
I have a breakdown of my exact expenses every month, I think I have to make sure to see how much I spend, and I also don't forget to always prepare extra money every month to be ready if there are urgent needs or sudden expenses. And from there I can set aside money to save and also I allocate and to invest.
I always differentiate money for saving and money for investing, why? yes it is a form of my preparation so that I don't have to sell my investment when something urgent happens in the future because I still have savings money ready for me to use.
This form of planning we must do, even though we never get into trouble but we don't know what will happen in the future, and when we don't prepare it will be a bigger problem.
You're doing a good job, dude, just continue the activity habit you're developing. And hopefully everyone will learn the right handling of money and how it will be used. So that we don't end up being the ones who end up having problems. I admire people like you who can do such things in terms of spending.
Because planning is like a relationship that should be appreciated, strive to make plans happen for the things that are necessary and important in every day or monthly bill. And above all, discipline is also important.