Guides
How to actually keep track of your money
Most money advice assumes a card, a bank feed and prices that hold still. These guides do not. They cover tracking cash, budgeting on an income that moves, and the specific reasons people give up in week two.
How to Track Daily Expenses Without Giving Up in Week Two
Most expense tracking fails for the same four reasons. Here is the method that works around all of them, and what your first month of data is actually for.
Read the guideExpense tracking
Knowing where the money actually went
Hisab Kitab App: Keeping the Ghar Ka Hisab Without a Register
The register works. It just cannot add itself up, cannot warn you, and cannot be in two places at once. Here is what moving the hisab kitab to an app actually changes.
6 min readHow to Track Cash Expenses Without a Bank Account
Card spending tracks itself. Cash does not, which is why most tracking advice quietly assumes you do not use it. Here is the method for people who do.
6 min readChoosing the Best Expense Tracker App in Pakistan: 8 Things to Check
Bank sync, dollar formatting, free tiers that expire. Eight checks that separate an expense tracker you will still be using in March from one you delete in week two.
6 min readBudgeting
Making a plan that survives a real month
The 50/30/20 Budget Rule, Worked Through With Real Numbers
Fifty per cent needs, thirty per cent wants, twenty per cent savings. Simple to say, harder to apply. Here it is worked through at four income levels — plus when to ignore it.
6 min readA Monthly Household Budget Template You Can Actually Fill In
Most budget templates fail because they ask for numbers you do not have yet. Here is the full line list, what each one means, and the order to fill it in.
5 min readThe Envelope Budgeting Method, and a Digital Version That Works
Envelope budgeting works because an empty envelope is a physical fact you cannot argue with. Here is how to keep that feeling when the envelopes are digital.
6 min readSaving
Putting money aside and keeping it there
How to Save Money in Pakistan When Everything Costs More
Saving advice written for somewhere else assumes stable prices and a bank-linked salary. Here is what actually works when neither is true.
7 min readHow to Build an Emergency Fund on an Ordinary Salary
Three to six months sounds impossible until you work out what a month of your essentials actually costs. It is usually far less than you fear.
6 min readThe app
What Casshi does
Free to start, no card at signup, and nothing deleted or hidden if you stop paying.