I recently gave up hoping that I would have a good standard of living. Something unexpected happens at all times and I just need to learn to live with that one way or another. It's obvious that we are not going to end up with anything bad, I am not going to starve, I am not going to be homeless.
However, I will never be able to buy the things that I want to buy or visit the nations/cities that I want to visit. Do you know how much money I need to save in order to go to Rome for example? I would need to save 20% of my salary for 3 years to have a good one week vacation there. Why even have a hope for that? A 300 dollar ps5 in USA, is around 1100 in my nation with shipment and taxes. I just want to wake up, eat, work, eat, netflix, and eventually die. That's all I can afford these days because anything else always goes to payments that are unexpected.
That's life mate. There's always unexpected things that will come in our way but you need to accept it whatever it will be. It was mostly the bad things that are hard but for the good one's, there's no way we will complain on it.
In the human life, there was only two cycle, one is when we are up or positive and the other is when we are down or feeling negative but like you said we can't always stay on one side, so whenever you feel down, just remember it, for you to keep going. In terms of payments how can you say that they are unexpected? Electricity, water, groceries, those are actually expected but if you will only learn how to plan and save, it's possible for you to achieve your dreams.