When I first came to a new city, with a new job and a totally new environment, I was nervous instead of being excited. There was some kind of hidden fear inside me. Maybe it was the fear of being completely independent and responsible in life for the very first time in my whole life. I was in a very different situation, hard to tell. On top of that, the new city was way too expensive. Nobody planned for these unplanned expenses beforehand, therefore, the situation worsened. That was the moment when I first realized the value of planning monthly expenses beforehand. From that time I always Plan Monthly Expenses in Advance.