Hello friend
The rate of inflation and other economic hick ups has made budgeting so difficult for us as a people. You stressed how much it could be tasking running a family on low income with lots of budget from insurance bills, rents and so on, but you gave a life line of resorting to using an app with spreadsheet to track our expenses and balance them. I'm so sorry for the deteriorating of your business during the Corona but am glad you have bounced back now. Indeed business skill is the best as it makes us more successful. I enjoyed your entry my dear friend and cheers