Thanks for the support, feel better to share it already.

I did the enveloppe thing but with saving accounts (one for taxes, one for annual/semestrial bills + unexptected expense, one for holidays), however I have the feeling that I cannot fill them up as fast as they get depleted, and thus they often don't have enough to cover the unexpectes pass a certain (low) limit. Sometimes I use the tax resever if I know that I have time to the next bill and wait for end of the year extra salary anf bonus to fill up back.

But last year and this year I already had to sell some BTC to cover a gap.

With higher rent we will need a couple thousand more per year alone, so it will not get better. Time to fbd way to increase incomes.