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Oct 22, 2022 – 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 latte, you might want to skip the coffee altogether. This is definitely the safest approach, and the one that will be the quickest route to a greater sense of security.