Rethink Your Money From Zero
Most people track what they spent. We teach you to decide where every baht goes before you spend it. That's zero-based budgeting, and it changes everything about how you handle money.
See Our Programs
Why Zero-Based Works
Traditional budgeting looks backward. You see where money went and feel bad about it. Zero-based budgeting flips that around. You plan forward, give every unit of income a job, and actually control your financial life.
Every Baht Has Purpose
Income minus expenses equals zero. Not because you spent everything, but because you allocated everything. Savings counts. Investments count. You're in charge.
Monthly Reset
Each month starts fresh. Last month's plan was for last month. This month gets its own budget based on what's actually happening in your life right now.
Real Flexibility
Plans change and budgets adapt. Spent more on car repairs? Move money from somewhere else. You're adjusting your plan, not breaking it.
How We Actually Teach This
Theory is fine, but implementation is where people struggle. We break it down into practical steps you can start using immediately.
Building Your First Budget
Week one focuses on the basics. You'll learn to list income sources, identify fixed expenses, and categorize variable costs. We use real examples from students in Thailand, so the context makes sense.
By the end of this module, you'll have created your first zero-based budget. Not perfect, but functional. That's the goal.
Managing Real Life Situations
Unexpected expenses happen. Income fluctuates. Your budget needs to handle reality, not just ideal scenarios.
We spend considerable time on adjustment strategies. How to reallocate when plans change. When to dip into emergency funds versus moving budget categories around. These decisions matter more than the initial plan.
Program Timeline
Foundations (Weeks 1-2)
Core concepts of zero-based budgeting, income documentation, expense categorization, and creating your first monthly budget. Includes practical exercises using Thai banking systems and common expense patterns.
Implementation (Weeks 3-4)
Tracking systems, budget adjustment techniques, handling irregular income, and managing variable expenses. You'll work with actual budget scenarios and learn troubleshooting methods.
Advanced Strategies (Weeks 5-6)
Debt repayment planning, building sinking funds, coordinating household budgets, and preparing for major expenses. These sessions focus on long-term financial planning within the zero-based framework.
Real Application (Weeks 7-8)
You'll present your actual budget progress, discuss challenges you've faced, and work through solutions with instructors and other students. Final project involves creating a six-month financial plan.
What Previous Students Say
Kasper Lindholm
Completed program January 2025
I tried budgeting apps for years but never stuck with any system. This approach finally clicked because I understood the reasoning behind each decision. Three months in and I actually know where my money is going each month.
Dragan Vukovic
Completed program December 2024
The monthly reset concept was hard to grasp at first. Why start over when you've got a working budget? But now I see how it keeps you engaged with your finances instead of running on autopilot. Game changer for me.
Next Cohort Starts September 2025
Our autumn program runs eight weeks with evening sessions twice weekly. Classes are small, capped at twelve students, so everyone gets individual attention. We're currently accepting applications for the September intake.