Take Control of Every Baht You Earn
Zero-based budgeting means you tell your money where to go instead of wondering where it went. We teach practical approaches that help people in Thailand build financial confidence through hands-on learning and real-world application.
Explore Our Programs
Why Zero-Based Actually Works
We focus on teaching methods that people can implement right away, without complex software or unrealistic expectations.
Start Fresh Each Month
You begin with zero and assign every baht a purpose. This creates awareness about where money flows and helps identify spending patterns you might not have noticed before.
Build Flexibility In
Life in Bangkok or Chiang Mai isn't predictable. Our approach teaches you how to adjust categories throughout the month while maintaining control of your overall financial picture.
Track What Matters
Instead of obsessing over every transaction, you learn which categories need attention and which ones run smoothly. This saves time and reduces stress around money management.
How Our Training Unfolds
Our programs run between September 2025 and March 2026, with enrollment typically opening six months before start dates. This gives participants time to prepare and gather relevant financial information.
Foundation Week
You set up your first zero-based budget using actual income and expenses. Most participants find this eye-opening because it reveals spending patterns they hadn't recognized.
Practice Months
Over eight weeks, you refine your budget based on real experience. We meet weekly to discuss challenges like unexpected expenses or variable income from freelance work.
Building Systems
You develop personalized tracking methods that fit your lifestyle. Some people prefer spreadsheets, others use simple notebooks. What matters is consistency, not perfection.
Long-Term Planning
By the final sessions, you're looking three to six months ahead and incorporating savings goals. Many participants report feeling less anxious about money because they have a clearer picture.
What Past Participants Say
Real experiences from people who completed our programs between 2023 and early 2025.
Before this program, I felt like money just disappeared. Now I assign every baht before the month starts. It's not about restricting myself but about making conscious choices that align with my priorities.
I run a small design business and my income changes every month. Learning to budget with variable income was the most valuable part. I now keep a buffer and adjust spending categories based on what actually comes in.
