Spreadsheets cannot fix a life that spends against its stated values. Name what matters, then cut what does not match — ruthlessly.
Cut what does not match the life you want.
Other Truths you may like to hear
Money
Your salary is a drug
Own assets or stay rented forever.
MoneyHouse-rich cash-poor is a trap
Do the math; sometimes renting keeps you free.
MoneyDebt loves optimistic forecasts
Stress-test payments at unemployment rates.
MoneyA car is a depreciating safety box
Buy reliable used; invest the lease difference.