Mine was “temporary spending.” You know, all those first-month things you tell yourself don’t count.

Except they do count. Very much.

Where did your budget go off track first?

• Airbnb before finding long-term rent

• Furniture/setup costs

• Restaurants/delivery

• Ubers/taxis

• Weekend trips

• Imported groceries

• Visa/legal/admin costs

• Health insurance

• I have never had a budget go wrong, because I am clearly lying