Build Financial Confidence Through Practical Learning
Most budgeting programs teach rigid rules. We focus on something different—helping you understand your actual money patterns and build systems that work with your life.
Our approach combines behavioral insights with hands-on practice. You won't just learn budget templates. You'll develop skills to handle real financial decisions with less stress and more clarity.
Discuss Your Learning GoalsHow the Program Works
We've built this around how people actually learn money management—not how textbooks say they should. Each phase tackles specific challenges you'll face when implementing flexible budgeting in your daily life.
Phase One: Understanding Your Current Reality
Start by mapping your actual spending patterns without judgment. Most people skip this step and wonder why budgets fail. We spend three weeks just observing and categorizing—building awareness before making changes.
Phase Two: Building Flexible Frameworks
Learn to create budget structures that adapt to irregular income and unexpected expenses. This phase introduces the core techniques that make flexible budgeting work when traditional methods break down.
Phase Three: Decision-Making Practice
Work through real scenarios—unexpected car repairs, income changes, conflicting priorities. You'll practice the mental frameworks that help you adjust budgets confidently rather than abandoning them entirely.
Learn From People Who've Been There
Our instructors aren't just teaching theory. They've each spent years helping individuals build sustainable budgeting practices—and they've made their own share of financial mistakes along the way.
Patrik Lundqvist
Behavioral Finance Instructor
Spent a decade as a financial advisor before realizing most budget failures weren't about math—they were about human behavior. Now focuses on teaching the psychology behind money decisions.
Siriporn Wattanakul
Practical Budgeting Coach
Built her expertise working with freelancers and small business owners in Chiang Mai. Specializes in helping people manage unpredictable income streams without constant financial anxiety.
Dariusz Kowalczyk
Financial Systems Designer
Background in systems thinking and process design. Teaches how to build budgeting workflows that require less willpower and work better with how your brain actually processes information.
Upcoming Learning Cohorts
We run small cohorts to keep instruction personal and give you space to ask questions about your specific situation. Each session includes twelve weeks of structured learning plus four weeks of optional follow-up support.
Class sizes are limited to eighteen participants. This isn't about exclusivity—it's about maintaining the quality of feedback and discussion that makes this program effective.
July Evening Cohort
July 14 - October 6, 2025
Tuesday and Thursday evenings, 7:00-9:00 PM ICT
- 24 live sessions over 12 weeks
- Weekly practice assignments with feedback
- Access to private discussion group
- Recorded sessions available for review
September Weekend Cohort
September 6 - November 29, 2025
Saturday mornings, 9:00 AM-12:00 PM ICT
- 12 extended sessions over 12 weeks
- Monthly one-on-one check-ins
- Access to resource library and tools
- Four weeks post-program support