Building Better Money Habits Through Real Practice

We don't just teach budgeting theory. Our program walks you through actual scenarios, helping you make decisions with your own numbers and goals. By the end, you'll have a system that actually fits your life.

Get Program Details
Linh Phuong Tran, financial planning instructor

Linh Phuong Tran

Program Lead

Spent twelve years helping families sort out their finances. She knows what works in real households, not just spreadsheets. Originally from Hanoi, moved south in 2018.

Kavya Deshmukh, budgeting systems specialist

Kavya Deshmukh

Systems Design

Designs budgeting frameworks that people actually stick with. Her background in behavioral economics shows up in every module. Joined us from Mumbai last year.

Astrid Viklund, financial habits coach

Astrid Viklund

Habits Coach

Focuses on why we make the money choices we do. She's especially good at helping people break spending patterns they've carried for years. Based in Stockholm, teaches remotely.

How The Program Actually Works

We've tried different approaches over the years. This structure came from watching what helped people make lasting changes, not what looked good on paper.

Start With Your Current Reality

First three weeks, you're tracking everything. Not judging, just noticing. Most people discover patterns they didn't know existed. One participant realized she was spending 18% of her income on food delivery.

Build Your Actual System

Weeks four through eight, we create a budget that matches your life. Not some ideal version, but what you can realistically maintain. You'll test it, adjust it, and probably rebuild parts of it.

Handle What Goes Wrong

Weeks nine through twelve focus on recovery. Because things will go sideways. Emergency expenses happen. The question is whether your system can absorb them without falling apart completely.

Make It Stick Long Term

Final month is about maintenance habits. Weekly check-ins that take five minutes. Monthly reviews that actually matter. Building routines you won't abandon when life gets busy.

Students reviewing personal budgeting worksheets during program session

Real Sessions, Not Lectures

Tuesday and Thursday evenings, 7pm to 8:30pm. We meet online because that's what works for most schedules. Small groups of eight to ten people.

Each session includes some teaching, but mostly it's working through your own numbers. You'll leave with homework that takes maybe twenty minutes. Nothing theoretical.

Between sessions, you have access to the group chat. Questions come up when you're actually doing the work, not during class time. That's when having instructors available matters most.

Sessions are recorded, so if you miss one, you won't fall behind. Life happens. The program accounts for that.

What You'll Actually Use

The program includes spreadsheet templates, but they're starting points. You'll modify them until they fit your situation. Some people end up with complex systems, others keep it dead simple.

You get access to our scenario library too. Hundreds of real situations from past participants, with multiple approaches to handling each one. It's surprisingly helpful when you hit something new.

We also provide decision frameworks for common financial crossroads. Should you pay off debt or build savings first? How much emergency fund is actually enough? These aren't one-size answers, but they help you think through your specific circumstances.

Everything stays available after the program ends. You can reference materials whenever you need them, no expiration.

Program materials including budgeting templates and financial planning guides

Next Program Starts September 2025

We run three sessions per year. Autumn cohort begins first week of September, runs through mid-December. Spring and summer sessions fill faster because of scheduling, so autumn tends to have more availability.

Application period opens June 15th, 2025

Program size is limited to maintain the group dynamics that make this work. Last session filled within eleven days of opening applications. Not trying to rush you, just being realistic about timing.

Request Application Info