The Dhanashastra blog

Money psychology in plain language. One specific worry per article, one plan at the end. A new article publishes each week.

Clear Why your expenses keep exceeding income (and how to finally see why) When money arrives and vanishes, the problem is rarely morality. It is scattered money: five apps, three accounts, and no middle of the story. One month, one honest list. 2026-10-24 · 7 min read Calm How to stop worrying about money (without first needing more money) Money worry runs on imagination more than arithmetic. A worry audit separates fact from fear, and one small real action shrinks the rest. 2026-10-24 · 7 min read Safe The emergency fund when money is tight: a two-step version The standard advice of six months of expenses can feel like a joke when the month is already short. Here is the version that starts at a two-digit number. 2026-10-24 · 7 min read