Your state
Why it matters.
Money leaks through the gaps nobody measures. A written budget is the difference between hoping the month works out and knowing.
What success looks like.
- A written monthly budget with income, fixed and variable costs.
- Actual-vs-planned comparison for a full month.
- At least one deliberate correction the next month's budget makes.
The component skills.
Typical mistakes.
- — Budgeting for a perfect month instead of the real one.
- — Forgetting irregular costs (repairs, fees, festivals).
- — Categories so detailed they can't be maintained for three months.
Practise — activities that produce artifacts.
Build the one-month worksheet ~45 min
List every income source, then fixed costs, then variable costs — using last month's actuals, not hopes. Total both sides and make them meet.
Artifact: The completed budget worksheet
The needs-vs-wants sort ~30 min
Take thirty real expenses from your statements and sort them honestly into needs, wants and 'wait'. Be strict with yourself, not with your family.
Artifact: The sorted list of 30 items
The 15-minute weekly review ~15 min
Once a week, compare what you planned against what you spent. Write one sentence about the biggest gap and what next week does about it.
Artifact: Four weekly review notes
Missions — do it for real.
Mentors for this capability.
Matched from real, opted-in DISHA members through the Mentor Intelligence Network — with their trust states shown as stored. Source-listed is not the same as verified.
No opted-in mentors match this capability yet — none are invented. See the Mentors view or the full directory.
How assessment works.
Every submission gets a transparent first-pass against the mission's rubric — what was looked for and what was observed. Verified state requires a real review; the system never upgrades self-reported evidence on its own.
accuracy
Concrete numbers, units and exact values instead of vague amounts
completeness
All parts of the task covered — nothing skipped or assumed away
discipline
Consistency over time: dates, repetitions, streaks kept
evidence_quality
An observable artifact: worksheet, receipt, photo reference, recording note
follow_through
What happened afterwards — the result and what changed
Accepted evidence: mission_submission, mentor_review, observed_application, work_sample.
Stated plainly — what this doesn't do
- — Submissions are private, self-reported evidence — they never become verified without a real review.
- — Mentor review for capabilities arrives in a later phase of this module.
Source: DISHA MY LIFE SKILLS Module Master Specification v1.0 §4 · v1 · last checked 2026-10-24 · your data rights