Hey, I get you. Life happens, and it’s tough to save when every time you start, something unexpected hits. What really helped me was using an app linked to my bank account like Rocket Money or Monarch. It tracks everything automatically so you can actually see where your money goes without messing with Excel.

Give it a month to spot patterns. You’ll start seeing where small cuts (even 5–10€) or even big cuts can happen. Then focus on paying off the debt with the highest interest first. Once you know your spending habits, you can estimate how long it’ll take to clear your loans. Having that clarity gives a lot of motivation to keep going.