Recent surprise expenses are leading you to the conclusion that a new budget is in order -- this will call for some hard decisions. Since there's a lot of unpredictability around you lately, it would be a smart move to cut things a little bit more frugally than you normally would. Instead of substituting coffee for a latte, you might want to skip the coffee altogether. This is definitely the safest approach, and one that will be the quickest route to a greater sense of security.
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