I finally learned to make a budget so that I won't go broke again.
Smart! You had no contingency plan before now?
I need to be prepared for any disasters.
Smart move, honestly. Finances can be very stressful to deal with, but managing your money wisely is always a good thing.
I'm going to keep cutting expenses so I can have more money.
It's really smart of you to make contingency plans. Going through an emergency an not being prepared can be such a stressful time.