Join our comprehensive income budgeting program starting September 2025. Learn practical money management skills that actually work in your daily life.
We don't believe in generic budgeting templates or one-size-fits-all approaches. Our methodology centers around your actual income patterns and real spending habits.
Freelance income meant some months brought abundance while others left me scrambling to pay rent. I had no system for managing irregular payments.
"The program taught me to create multiple budget scenarios based on different income levels. Now I have emergency funds for lean months and clear plans for investing surplus income. It's not about perfection — it's about having a system that adapts."
Good salary, terrible spending habits. I was living paycheck to paycheck despite earning well above average. Credit card debt kept growing.
"Learning to track expenses without judgment was revolutionary. The program helped me understand my spending triggers and create realistic boundaries. Six months later, I paid off my credit cards and started investing in index funds."
Recently married with combined finances that felt chaotic. My husband and I had completely different approaches to money, causing constant stress.
"The couples' budgeting modules saved our relationship. We learned to communicate about money without blame and created a system that honors both our values. We're planning to buy our first home next year."
Running a restaurant meant my personal and business finances were completely tangled. I couldn't separate what the business needed from what my family needed.
"The program included modules specifically for small business owners. I learned to pay myself a regular salary and keep business expenses separate. My accountant says my books have never been cleaner."
Start with expense tracking and identifying spending patterns. No judgment, just awareness. We'll also cover basic banking optimization and debt assessment. By the end of month two, you'll have a clear picture of where your money actually goes.
Build your personalized budget using the 50/30/20 rule as a starting point, then adjust based on your actual life. We'll practice scenario planning for irregular income and unexpected expenses. Real-life budget testing with monthly check-ins.
Calculate your ideal emergency fund size based on your specific situation. Learn where to keep emergency money for easy access and modest growth. Address common obstacles like feeling behind or overwhelmed by the target amount.
If you have debt, create a payoff strategy that balances progress with quality of life. Learn when to prioritize debt payment versus building savings. Understand good debt versus bad debt in the context of Taiwan's financial landscape.
Introduction to investing with Taiwan-specific options like domestic funds and international investing through local brokers. Focus on low-cost, diversified approaches suitable for beginners. Understanding risk tolerance and time horizons.
Retirement planning considerations for Taiwan residents. Tax optimization strategies. Creating systems that maintain themselves with minimal ongoing effort. Preparing for major life changes and financial transitions.
Lead Financial Education Specialist
Helena spent eight years as a financial advisor before transitioning to education. She's helped over 200 families in Taiwan navigate everything from first-time home buying to retirement planning. Her background in behavioral economics informs our teaching approach — she understands that successful budgeting is as much about psychology as it is about math.
Helena holds certifications in financial planning and adult education. She speaks fluent Mandarin and English, making complex financial concepts accessible to our diverse student body.
Program Development
Our curriculum team includes former bank managers, tax professionals, and small business owners who understand real-world money challenges.
Specialized Sessions
Monthly guest sessions with local financial professionals covering topics like insurance, real estate, and Taiwan-specific investment options.