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The budgeting method behind Drachma

Practical guides to the budgeting ideas behind Drachma, from setting realistic targets to reviewing spending and planning what is still to come.

Separate ordinary life from one-off spending so your monthly baseline stays meaningful

Start with realistic targets and treat the first numbers as calibration, not promises

One awkward week is not what kills a budget; avoiding the numbers afterwards is

Your bank balance is not the whole picture when money is moving between people

Paid transactions tell you what happened; scheduled transactions tell you what is still coming

A first breakdown is a map of what you have captured, not a report card