Money Decisions That Actually Make Sense
We're not here to sell you magic formulas or overnight wealth. Our programs focus on practical financial thinking—budgeting that works for Filipino families, investment basics without the jargon, and retirement planning that doesn't require a finance degree.
Learning That Fits Your Actual Schedule and Budget
Flexible Evening Sessions
Most of us work regular hours. That's why our sessions run Tuesday and Thursday evenings, plus Saturday mornings. Can't make a session? We record everything so you can catch up when it works for you.
Small Group Discussion
Maximum 12 people per cohort. This isn't a lecture hall where you're just a seat number. You'll get to ask questions, share experiences, and learn from others dealing with similar financial situations.
Real Scenario Practice
We use actual case studies from the Philippine market—local bank products, SSS benefits, Pag-IBIG options. You'll work through budgets based on realistic Mindanao salaries, not hypothetical numbers from abroad.
Follow-Up Support
Questions don't stop when class ends. You get three months of email support after completing your program. Many participants stay connected through our alumni group discussions too.
What You'll Really Get From Our Programs
Financial education can't solve everything. We won't promise you'll be debt-free in 90 days or retiring early. What we do offer is clearer thinking about money decisions and practical tools you can use right away.
Programs starting September 2025 will cover household budget management, basic investment concepts for Philippine markets, insurance needs assessment, and retirement planning timelines. Most participants find the budget tracking exercises particularly useful—sometimes boring, but definitely useful.
- Templates for tracking expenses that work with Filipino payment habits
- Decision frameworks for evaluating local investment opportunities
- Comparison tools for Philippine insurance and savings products
- Retirement calculation worksheets adjusted for Philippine costs
How Our Eight-Week Course Actually Works
Foundation Setup (Weeks 1-2)
We start with understanding where your money actually goes. You'll set up a tracking system that takes maybe 10 minutes daily. First homework is just recording expenses for two weeks—no judgment, just data collection.
Budget Building (Weeks 3-4)
Now we create a realistic budget using your actual spending patterns. This includes planning for irregular expenses like school fees and vehicle maintenance—stuff that often derails budgets because people forget they're coming.
Savings Strategy (Weeks 5-6)
We look at Philippine savings vehicles—from basic emergency funds to time deposits and UITF options available through local banks. You'll evaluate which products match your timeline and risk tolerance.
Long-Term Planning (Weeks 7-8)
Final sessions cover insurance assessment and retirement timelines. We use Philippine life expectancy data and local cost-of-living projections. Most people leave with a rough 20-year financial roadmap they can adjust as life changes.
People Who've Actually Worked in Philippine Finance
Romualdo Teves
Budget Systems Instructor
Spent 14 years in corporate accounting before switching to education. Rom focuses on the budget tracking and cash flow modules. His approach is pretty straightforward—no fancy software required, just consistent tracking habits.
Eliseo Cunanan
Investment Education Specialist
Former bank relationship officer who now teaches investment fundamentals. Eli handles the savings and retirement planning sections. He's good at explaining financial products without the sales pitch—probably because he's not selling anything anymore.