Master Your Money with Smart Monthly Budgeting

Learn practical budgeting techniques that actually work for Vietnamese families. Our comprehensive training program teaches you how to track expenses, build emergency funds, and make informed financial decisions that fit your lifestyle.

Start Your Journey

The 5-Phase Financial Planning System

A structured approach that's helped over 1,200 Vietnamese families gain control of their finances

After years of working with families across Vietnam, I've developed this systematic approach that addresses the unique challenges of managing money in our economic environment. Each phase builds on the previous one, creating a solid foundation for long-term financial stability.
1

Financial Reality Check

We start by mapping your actual income and expenses. Most people are surprised by where their money really goes. Using simple tracking methods, you'll discover spending patterns you never noticed before.

2

Priority-Based Budget Design

Not all expenses are equal. Learn to categorize spending by importance and create a budget that reflects your true priorities. We'll build in flexibility for unexpected costs that always seem to pop up.

3

Emergency Fund Strategy

Start small, build steady. Even 500,000 VND can make a difference when your motorbike breaks down. We'll show you how to automate savings so it happens without willpower.

4

Monthly Review Process

Budgets fail when they're ignored. Develop a simple 15-minute monthly routine to track progress, adjust for changes, and celebrate small wins along the way.

5

Long-term Growth Planning

Once your foundation is solid, explore investment options suitable for Vietnamese markets. Start with what you understand and gradually expand your financial knowledge.

What Makes Our Approach Different

Practical financial education designed specifically for Vietnamese families and their unique economic situation

Real Vietnam Context

Our strategies account for actual Vietnamese salaries, cost of living, and cultural financial responsibilities. No generic Western advice here.

Family-Centered Planning

We understand the importance of supporting parents and extended family. Learn to balance personal goals with family obligations.

Simple, Sustainable Methods

Forget complicated spreadsheets. Our system works with basic tools and fits into busy Vietnamese lifestyles without adding stress.

Lead Financial Educator

Kimiko Saraswati

Certified Financial Planner & Vietnam Budget Specialist

After managing finances for international companies in Ho Chi Minh City for eight years, I noticed how traditional financial advice just doesn't work for Vietnamese families. That's why I created this program.

I've personally helped hundreds of families reduce financial stress while still maintaining their important cultural obligations. My approach combines international best practices with real understanding of Vietnamese economic realities.

Family Budget Planning Emergency Fund Strategies Vietnamese Investment Options Cross-cultural Finance

Long-term Success Stories

Following our program participants over multiple years shows the real impact of proper financial planning. These are actual results from families who started their journey with us.

Year 1

Building the Foundation

Most families start by simply understanding where their money goes. The tracking alone often reveals 2-3 million VND monthly that was being wasted on forgotten subscriptions and impulse purchases.

Average emergency fund: 5-8 million VND after 12 months

2Y
Year 2

Expanding Comfort Zone

With basic budgeting mastered, families start exploring investment options. Many begin with simple savings accounts offering better rates, then gradually move to more sophisticated tools.

78% report reduced financial stress and better family communication about money

Year 3+

Long-term Growth

By year three, the habits are automatic. Families often report they can handle unexpected expenses without panic, and many have started planning for larger goals like property or children's education.

Average savings rate increases from 5% to 18% of monthly income

3Y

Ready to Take Control of Your Finances?

Our next comprehensive program begins in September 2025. Over six months, you'll build practical skills that will serve your family for decades.

Early registration opens March 2025 • Program starts September 2025

24 Live Sessions

Weekly group sessions plus individual check-ins to ensure you're making progress

Custom Tools

Budget templates designed for Vietnamese income patterns and expense categories

Ongoing Support

Access to our community and quarterly follow-up sessions to maintain momentum