Budget Planning That Actually Works for Real Life
We help people in Vietnam understand where their money goes and create spending plans they can stick with. Not complicated spreadsheets or impossible saving goals—just practical financial habits built for how you actually live.
View Our ProgramsFind Your Starting Point
Never Tracked Spending?
Start with our foundations course launching October 2025. We'll show you simple methods to understand your cash flow without drowning in receipts or numbers.
Track But Can't Save?
You know where money goes but can't build reserves. Our intermediate program (starting January 2026) focuses on realistic saving strategies for Vietnamese income patterns.
Ready to Plan Ahead?
Once you've mastered basics, learn long-term planning. Our advanced course (March 2026) covers investment fundamentals and multi-year financial roadmaps.
Why Most Budget Plans Fail (And What We Do Differently)
We Don't Pretend Coffee Is the Problem
Most budget advice tells you to cut small pleasures. That's not how Vietnamese families spend money. Housing, education, and family support are your big expenses. We help you work with those realities instead of fighting them.
Our students learn to prioritize what matters and make intentional choices about everything else. Sometimes that coffee break is the only thing keeping you sane during a tough work week.
Family Obligations Are Part of Your Budget
Supporting parents or helping siblings isn't optional for many Vietnamese families. We build these commitments into your financial plan from day one, not as "lifestyle expenses" to cut.
You'll learn how to balance family support with your own financial health. It's possible to help others while still building your future—but it requires honest conversations and clear boundaries.
Simple Tools That Don't Require Daily Updates
You have a job and a life. We teach methods that take maybe 30 minutes per week. No complex apps, no daily expense logging, no guilt when you forget to track something.
Most people who stick with budgets use simple systems they can maintain when life gets busy. That's what we focus on—practical habits that survive hectic months.
Quick Budget Wins You Can Try Today
The Three-Account Method
Split income into: bills (50%), personal spending (30%), and future goals (20%). Adjust percentages to your life. Simple.
Automate the Hard Stuff
Set up automatic transfers for savings the day after payday. What you don't see, you don't spend. Works every time.
The 24-Hour Rule
Wait one full day before any unplanned purchase over 500,000 VND. You'll skip about half of them and won't miss them.
Track One Month Honestly
Save every receipt for 30 days. Don't change behavior—just observe. You can't fix what you don't see clearly.
Learning Programs Starting Late 2025
Foundation
Budget Basics
VND / 6-week program
- Weekly 90-minute sessions
- Personal expense tracking setup
- Basic saving strategies
- Group support access
Most Popular
Comprehensive Planning
VND / 12-week program
- Everything in Foundation
- Debt management strategies
- Emergency fund building
- One-on-one check-ins
- Lifetime community access
Advanced
Financial Future
VND / 16-week program
- All Comprehensive content
- Investment introduction
- Long-term goal planning
- Retirement basics
- Monthly expert Q&A sessions
"I finally stopped feeling guilty about every purchase. The program helped me see my spending patterns without judgment, then make changes that actually fit my life. I'm not perfect with money, but I'm way less stressed about it."
Small Business Owner, Da Lat
Programs Begin October 2025
Registration opens in August. Join our list to get course details and early enrollment access. Or contact us now if you have questions about which program fits your situation.
Learn at Your Own Pace
All our programs include recorded sessions you can review anytime. Missed a live class? Life happened? No problem. Access materials for a full year after your program ends.
We know work schedules in Vietnam can be unpredictable. That's why flexibility is built into every course we offer.
Real Support from People Who Get It
Our students come from all income levels and situations. Some are starting their first job, others are managing family businesses. What they share is wanting to feel more in control of money.
The group aspect helps more than you'd expect. Hearing how others solve similar problems gives you ideas you wouldn't think of alone. Plus it's just reassuring to know you're not the only one figuring this stuff out.