Budget Mastery for Real Life
Most people think budgeting means restriction. We teach it as freedom—making choices that actually work for your life in Thailand and beyond. Our autumn 2025 program starts with conversations, not spreadsheets.
Reserve Your Spot
Learn From People Who've Been There
Our instructors aren't just experts—they've made the mistakes, learned the lessons, and now they share what actually works.
Viktor Samuelsson
Budget Strategy Lead
Started his career drowning in credit card debt. Turned it around through strict tracking and now teaches people how to build systems that don't feel like punishment. Viktor believes you can enjoy life while saving—and proves it every session.
Marisol Chen
Personal Finance Mentor
Moved to Phitsanulok in 2019 with no financial plan and learned the hard way. She brings real talk about expenses in Thailand, currency management, and the balance between saving and living. Her students appreciate her honesty about what's difficult.
Gregor Novak
Long-Term Planning Advisor
Spent fifteen years helping families plan for the unexpected. Gregor focuses on building cushions—not just emergency funds, but real financial breathing room. He's patient, practical, and never makes you feel behind for starting late.
What Drives Our Teaching
We're not here to sell you a fantasy. Financial education should be grounded in reality—your reality. That means acknowledging what's hard, celebrating small wins, and building habits that stick around longer than January motivation.
These principles shape every lesson we create and every conversation we have with students.
Honest About Challenges
Saving money isn't always fun. Sometimes you'll want to skip tracking expenses or ignore the numbers. We get it. Our job is to make the process easier, not to pretend it's effortless. Real progress comes from facing the uncomfortable parts.
Personalized Approaches
There's no universal budget template that works for everyone. Your income, goals, and life in Thailand are different from the next person's. We help you build something custom—not force-fit you into someone else's system.
Practical Over Perfect
Forget fancy apps and complex formulas if they don't match how you think. We teach methods that actually fit into your routine. Whether you're a spreadsheet person or prefer pen and paper, the goal is consistency, not perfection.
Long-Term Mindset
Quick fixes don't last. We focus on building skills that serve you for decades—how to adjust when income changes, how to plan for big expenses, how to stay calm when unexpected costs hit. It's about becoming someone who knows how to handle money, not just someone who follows a plan.
Questions We Hear Often
Before committing to our October 2025 program, most people want to know similar things. Here's what we tell them.
Do I need previous finance knowledge to join?
Not at all. We start with the basics—what income and expenses actually mean, how to categorize spending, why tracking matters. Some students come with zero experience, others with years of failed attempts. Both groups find value because we meet you where you are.
How much time should I expect to invest each week?
Plan for about three hours weekly—one hour in our group session and two hours working on your own budget. That's the minimum to see progress. Some students spend more because they enjoy it, but three hours gets you real results if you stay consistent.
Will this help if I'm already deep in debt?
Yes, but it's not a magic solution. We teach strategies for prioritizing payments, negotiating with creditors, and building a payoff plan. The honest truth: getting out of debt takes time and discipline. We give you tools and support, but the work is yours to do.
Can I join if I don't live in Phitsanulok?
Absolutely. Our sessions run online through video calls, so location doesn't matter. We have students across Thailand and even a few abroad. The principles apply regardless of where you're managing your finances.
What happens after the program ends?
You'll have a personalized budget system, tracking habits in place, and a clear picture of your financial situation. Many students continue checking in with us monthly or join our alumni group for ongoing support. The goal is independence, but we're here if you need us.