Budget Frameworks That Actually Work
Most people think budgeting means cutting everything you enjoy. We've spent years watching this approach fail repeatedly. Our framework starts with understanding where money actually goes, not where you think it should go. There's a massive difference between those two perspectives.
Explore Our Programs
Three Pillars We Built Over Time
Through working with businesses across Vietnam since 2019, we noticed patterns. Some strategies worked consistently while others looked good on paper but collapsed under real conditions.
Reality Mapping
Before planning where money should go, we track where it actually goes for 60 days. Most people discover they were wrong about their spending in at least three major categories. It's uncomfortable but necessary.
Flexible Allocation
Fixed percentages rarely survive contact with real life. We build budget frameworks that adapt when your income fluctuates or unexpected costs appear. Because they will appear.
Behavioral Anchors
People don't fail budgets because of math errors. They fail because the plan conflicts with their actual habits. We design systems around how you naturally make decisions, not how textbooks say you should.
Klaus Reinhardt
Behavioral Finance Specialist
Annika Sørensen
Systems Architect
Who Guides This Process
Klaus spent eight years analyzing why financial plans fail in small business environments. He discovered that most advice assumes stable income and predictable expenses. That assumption breaks down for roughly 70% of the people trying to follow it.
Annika built her expertise working with manufacturing businesses where cash flow timing meant the difference between meeting payroll or not. She developed frameworks that account for revenue delays and seasonal variations without requiring complex spreadsheets.
Together, they run workshops that focus less on theory and more on implementation challenges. Participants work through their actual financial data, not hypothetical examples.
Our September 2025 cohort focuses specifically on businesses serving the Vietnam market, addressing currency considerations and regional banking structures that affect budget execution.
How Our Method Differs
Standard budget advice tells you to categorize expenses and stick to limits. That sounds reasonable until you realize it requires perfect prediction of irregular costs. Car repairs don't check your budget before happening.
We help people build buffer systems first. Once those exist, the categorization and limits become tools rather than sources of stress.
Buffer-First Design
Creating financial breathing room before optimizing categories. Most approaches do this backwards.
Decision Frameworks
Teaching evaluation methods instead of providing prescriptive rules. Your situation changes, your framework shouldn't.
Implementation Testing
Running your strategy through realistic scenarios before committing. Finding weak points on paper is cheaper than finding them with actual money.
