I do enjoy doing drops, though I probably shouldn't as my problems with Terran are most definitely macro-related, and dropping just makes my macro slip even more.

For me at least, spending money as zerg is easy as long as I remember to inject often- usually not a problem. As Toss it's easy too, I look at my money and go "oh, must be time to warp in 8+ gateway units". The type of units depends on how much of each resource I have. It's not the best system but it works decently well.

Then I get to Terran and at 15-20 mins in I am screwed from a) Not making enough buildings b) Not constantly producing from my buildings and/or c) queuing up units like mad gets my money low/to zero but it's way inefficient as I have to go back and unqueue units to be able to build more buildings