Build Financial Confidence Through Zero-Based Budgeting
This isn't another generic money course. We teach you practical frameworks that actually work when you're staring at your bank balance at 2am wondering where it all went.
Start Your JourneyWhat Drives Our Teaching Approach
We've learned something interesting over the years. The math part of budgeting? That's easy. The hard part is changing how you think about money on a Tuesday afternoon when you really want that coffee.
Honest About the Process
Month one usually feels terrible. You'll discover expenses you forgot existed. Your first budget will be wrong, and that's completely normal. We build that reality into the program from day one.
Context Matters More Than Rules
Financial advice from Silicon Valley doesn't always translate to Chiang Rai. We teach principles, then help you adapt them to your actual life with your actual income and your actual cultural obligations.
Small Wins Build Momentum
Forget the dramatic transformations. We celebrate when students successfully track spending for seven consecutive days. Those boring, consistent habits matter more than any single big decision.
Questions Welcome, Always
There's no such thing as a stupid question about money. If you're confused about something, probably six other people in the cohort are too. We create space for that uncertainty because that's where learning happens.
Led by Kittipong Saetang
Former financial analyst who got tired of complex systems that nobody actually used. Now teaches practical approaches that work for regular people with irregular income.
Finding Your Starting Point
Not everyone needs the same approach. Answer these questions honestly, and we'll point you toward content that matches where you are right now.
How Would You Describe Your Current Relationship With Money?
Avoidance Mode
You probably know your bank balance is lower than ideal. Checking feels stressful, so you don't. Our Foundation Module starts here with zero judgment.
Reactive Management
You handle bills as they arrive but don't plan much beyond that. The Intermediate Track helps you move from reactive to intentional without overwhelming you.
What Bothers You Most About Your Current Financial Situation?
Mystery Spending
Money disappears and you're not entirely sure where. We start with tracking systems that take under five minutes daily and actually stick.
No Safety Net
You're one emergency away from problems. Our Emergency Fund Sprint teaches incremental building that works even on tight budgets.
How Much Time Can You Realistically Dedicate Weekly?
Maybe 2 Hours
Perfect for our core program. Two focused hours weekly beats eight hours of overwhelmed confusion. We design around your actual schedule, not an ideal one.
Less Than 30 Minutes
Try our Quick-Start Mini-Course first. Five video modules, each under six minutes. Get the foundation, then decide if you want to go deeper.
The Income Variability Problem
Traditional budgeting assumes steady paychecks. But what if your income changes monthly? We tested seven different approaches with freelancers and gig workers. Here's what actually held up.
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Cultural Context in Financial Planning
Sending money to family isn't optional for many people. Yet most budgeting advice treats it as discretionary spending. We examined how to build sustainable systems that honor cultural obligations without sacrificing financial stability.
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Zero-Based Budgeting for Beginners
The concept sounds intimidating. Give every baht a job? When you're already overwhelmed? We stripped it down to the actual essentials and tested modifications with 50 students new to budgeting.
Read Full AnalysisHow the Program Actually Works
Twelve weeks. Four phases. Each building on the previous without overwhelming you. We front-load the difficult mindset work because that's where most people get stuck.
Foundation: Facing Reality
Weeks 1-3We start by tracking actual spending without trying to change anything yet. Just observation. You'll probably be surprised. That's normal. Then we introduce basic zero-based budgeting concepts using your real numbers, not theoretical examples.
Adjustment: Finding Your System
Weeks 4-6Your first budget was wrong. Everyone's is. Now we refine based on what you learned. We also tackle the psychological barriers that make budgeting hard. The guilt, the shame, the fear. Can't fix a system if we ignore the emotions attached to it.
Optimization: Building Buffers
Weeks 7-9Once basic tracking sticks, we focus on creating breathing room. Emergency funds, irregular expense planning, strategic savings. This phase moves slower because we're building habits that need to last years, not weeks.
Sustainability: Making It Stick
Weeks 10-12The final phase focuses on what happens after the course ends. How do you maintain these systems when life gets chaotic? What's the minimum viable routine? We develop your personal maintenance plan that accounts for your specific challenges and circumstances.
Next Cohort Starts October 2025
Limited to 25 students for meaningful interaction and personalized feedback. Registration opens July 2025.
Join the Waitlist