zero based budgeting 2025-11-06T10:50:46Z
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Sweat trickled down my neck in a cramped Lisbon tram when my phone screamed – not a call, but a fraud alert from my old bank. That robotic notification tone still haunts me. My fingers fumbled like sausages trying to load their prehistoric app, each spinning wheel mocking my rising panic. Vacation savings evaporating while foreign commuters pressed against me? Pure financial claustrophobia. -
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Rain lashed against my dorm window at 2 AM, the sound like gravel thrown by some vengeful god. My physics textbook lay splayed open, equations bleeding into incoherent scribbles as caffeine jitters made my hands shake. Finals were a week away, and I was drowning in Newtonian mechanics—every formula I’d memorized that afternoon had evaporated like steam from my cheap mug. Desperation tasted metallic, like biting aluminum foil. That’s when I remembered the icon buried in my phone’s third home scre -
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