Money Conversations That Actually Make Sense

Most people learn about budgets when something goes wrong. We think that's backwards. Our approach starts with understanding your actual relationship with money before diving into spreadsheets and formulas.

Explore Our Programs

Budget planning session with real financial documents and notebooks

Kasper Bjornstad

Lead Financial Educator

I spent ten years watching small business owners in Bangkok struggle with the same budgeting mistakes. Not because they were careless, but because traditional financial education treats everyone like they should already know this stuff.

So I started teaching workshops that actually acknowledged the messiness of real finances. Irregular income. Family obligations. The fact that most months don't go according to plan. Our programs reflect that reality instead of pretending it doesn't exist.

We Skip The Patronizing Basics

You already know you should spend less than you earn. That's not insight, that's obvious. What's actually useful is figuring out why certain spending patterns keep repeating, or how to build a buffer when your income fluctuates month to month.

Our September 2025 cohort focuses on practical frameworks that work with irregular cash flow. Because telling someone to "just make a budget" when their income varies by 40% each month isn't helpful, it's frustrating.

Group workshop session discussing budget strategies with participants

What Actually Changes After Our Programs

Financial Clarity

Most participants tell us they finally understand where their money actually goes. Not through guilt or judgment, just through honest tracking and pattern recognition.

Realistic Planning

We teach planning methods that accommodate real life. Unexpected expenses happen. Income dips occur. Your budget should expect this, not collapse when it happens.

Decision Confidence

After working through actual scenarios from your own finances, money decisions become less stressful. You develop a sense of what works for your situation specifically.

Programs Starting October 2025

We're running two parallel tracks next autumn. One for individuals managing household finances, another for freelancers and small business owners dealing with variable income. Both meet twice weekly for eight weeks and include ongoing access to our resource library.

Class sizes stay under fifteen people because financial discussions need space for actual questions. The kind of questions you'd never ask in a lecture hall with fifty strangers.

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One-on-one financial consultation session with budget documents

The Honest Approach To Budget Education

Financial literacy shouldn't feel like confession. We're not here to judge your past spending or tell you that morning coffee is ruining your future. Real budget management means understanding your priorities and aligning your spending with them.

Our instructors have backgrounds in accounting, small business management, and financial counseling. More importantly, they remember what it's like to not have this knowledge. That perspective shapes how we teach.

Meet Our Team