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Have huge swings in expenses a few months before summer job income. Not a massive differential, but it involves borrowing some money from dear sis. The stress from meeting my (quite low) expenses prompted me to make a granular monthly budget for the next 14 months, which got me wondering about what it's like to budget when you have a grown-up's income. What can hubskiers report about maximizing income, minimizing expenses, and saving? Any needless suffering that can be avoided?