predictive budgeting 2025-10-28T05:25:23Z

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Rain lashed against my kitchen window as I stared into the barren abyss of my refrigerator. Three sad carrots rolled in the crisper drawer like tumbleweeds. My boss had just sprung an impromptu dinner meeting at my place in 90 minutes – a "casual networking opportunity" that felt like culinary Russian roulette. Sweat prickled my collar as I mentally inventoried my disaster: no protein, no staples, and a bank account still wincing from last month's vet bill. That hollow panic when time and money

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