This is why it would really be that ideal that you should have multiple income sources rather than on focusing one. Spending on needs and expenses would definitely be that affect you out so badly
and if you dont like on being shorted when it comes to budget or you do find out that its already not that enough then it would really be just that right on what are the things that you must do.
Yes in business or real life one needs to set up a reserve balance, this way When challenges happen along the line, you have something to fall back on and that way it will make the impact of the challenges to be less on you and won't take away from you capital as a business person, or pushing you into debt just to pass through such challenging phase on the long run, and more also having multiple sources of income os another great way to keep yourself prepared ahead for any possible financial problem that may come along your way.
Having financial freedom and independence go a long way to how one survives through any economic situation and what the impact of such will be on the financial well-being of that individual.