Moving countries breaks personal finance in a specific way. It is not that you spend more — it is that you lose the ability to answer simple questions. How much do I have. How long will it last. Was this month worse than the last one. Every one of those gets harder when the money is split across currencies and the bank talks to nothing.
What actually breaks
Four things, in roughly this order.
The total disappears. Money sits in an old-country account, a local card and some cash. Three apps, three numbers, no sum.
Months stop comparing. Spending converted at today's rate makes last month look different every time you open it.
Automatic import stops working. Most banks outside the US, UK and EU connect to no budgeting app at all, so the thing that used to fill your ledger now fills nothing.
The question changes. "Did I overspend this month" was a reasonable question with a salary. With irregular income and savings in a third currency, the real question is "how many months do I have".
The first week, in about twenty minutes
Pick the currency you think in. Usually the one your rent is in, not the one your salary is in — you want "how much do I have here".
Make one wallet per place money actually sits: the old account, the local card, the cash in the drawer, the savings. Enter today's balance in each, in that wallet's own currency.
Record the money you moved over as a transfer, not as income and an expense. Both amounts get kept, so a bad rate at the exchange office stays visible instead of vanishing.
If your bank sends a text for every card payment, set up parsing from those messages. It is the only automatic import that works where banks connect to nothing.
Leave it a month. Runway needs history before it means anything.
Runway: the number that matters now
Runway takes your average spending over a period and your current assets and says how long one lasts at the pace of the other, in months and days, with the average it is based on shown next to it.
With a steady salary this is a curiosity. After a relocation it is the whole picture: income is irregular, the savings are a fixed pile, and the useful question is how much time that pile buys at the rate you are actually living. It is in Insights, under the Assets chart.
Money owed between people
Relocation generates debts. Someone fronts the deposit, someone pays the whole restaurant bill, someone's card works at the agency and yours does not. These get forgotten, and they get forgotten in different currencies.
Walletable keeps them attached to the person rather than in a category, in whatever currency they were made, and a repayment in a different currency does not quietly resize the debt.
Questions
Should I keep using my old country's budgeting app?
It will keep working and it will keep lying to you, because it converts everything into a base currency you no longer live in. If you want to keep the history, export it and start a fresh ledger in the currency you now think in.
What about money still in the old country?
Make it a wallet in its own currency and leave it there. It is part of your total and part of your runway; converting it on paper every month just adds noise.
Is it worth tracking at all if income is irregular?
That is exactly when it is worth it. With a regular salary you can feel whether a month went badly. With irregular income the feeling is useless and the runway number is the only honest signal.
Do I need to be online for the totals to work?
No. The last downloaded rates are kept and used, so the converted total is never blank, and it catches up next time you are online.