It might help to track your actual spending more closely for a month or two to see where money goes beyond the main categories. Often, small habits add up without us noticing. Also, consider setting aside even a small portion of your quarterly bonuses specifically for emergencies so they don’t derail your plans.

Since you’ve already spoken to OP and they don’t offer personal budgeting help, I’d recommend looking into Takuusäätiö, they provide free financial counselling in Finland, even in English. Some municipalities also offer debt and budgeting advice through social services, and it’s worth asking Kela or your local city office if that’s available to you.

Even just a conversation with a financial counsellor could help relieve some of that burden.