A budgeting framework helps you adapt to Karachi’s rhythm: set aside essentials first (housing, utilities, groceries), then allocate for workspace, dining out, and local transport. Use a flexible, neighborhood-hopping approach – move between pockets by season or project – so you balance safety, vibe, and cost. Consider hot, humid summers and the monsoon period when some amenities feel crowded or delays occur; plan for indoor activities and backup transit options. Neighborhood fit matters: choose well-connected, safe pockets with walkable services, and test-drive a few areas before settling. Tip: build a monthly tracker to monitor recurring costs and adjust as needed.