Financial Planning Education

Master Your Money Through Seasonal Changes

The monsoon season hits differently when your business cash flow isn't ready. We teach you practical budget adjustment techniques that work with Vietnam's unique economic rhythms—from Tet preparations to summer tourism fluctuations.

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Financial planning workspace with seasonal budget charts and analysis

I used to panic every time rainy season came around. Sales would drop, and I'd scramble. Now I actually plan for these shifts months ahead. The difference is night and day.

Trần Minh Khánh

Café Owner, Huế Central District

Seasonal financial analysis and budget planning materials

Practical Framework

Why Seasonal Budgeting Actually Matters Here

Most financial courses teach you budgeting as if every month looks the same. That's useless in a place where summer brings tourists and September brings floods. Your income isn't steady—so why would your budget be?

Build emergency reserves during peak months without feeling guilty
Adjust spending thresholds based on historical seasonal patterns
Plan major purchases around your actual cash flow cycles
Create flexible categories that expand and contract naturally

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Real Application

What You'll Actually Learn to Do

Forget theory. We work with your real numbers from the past two years. You'll map your actual income patterns, identify your slow periods, and build a system that doesn't fall apart when revenue dips in April.

Analyze 24 months of transactions to find your unique patterns
Calculate proper reserve amounts for your specific situation
Set up tracking that takes under 10 minutes per week
Adjust categories quarterly without rebuilding your entire system

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Hands-on financial planning workshop with real budget examples

Programs Starting September 2025

Choose the learning intensity that fits your schedule. All prices in Vietnamese Dong.

Foundation Track

4,200,000₫

8-week online program

Weekly 90-minute live sessions
Personal budget template customization
Monthly group Q&A calls
Access to resource library
Community forum participation

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Professional Track

7,800,000₫

12-week intensive program

Everything in Foundation Track
Three 1-on-1 coaching sessions
Advanced forecasting workshops
Business scenario modeling tools
Priority email support
Quarterly review sessions (6 months)

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Business Owner Track

12,500,000₫

16-week comprehensive program

Everything in Professional Track
Six 1-on-1 strategy sessions
Team member training (up to 3 people)
Custom reporting system setup
Year-long advisory access
Annual budget review meetings

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Detailed financial planning session with seasonal adjustment strategies

Learning Approach

How We Actually Teach This Stuff

No lectures about compound interest or retirement accounts. We start with your bank statements from last year and work forward from there.

Data First, Theory Second

Week one, you bring your transaction history. We show you how to spot patterns you didn't know existed. Most people realize they've been planning around the wrong months entirely.

Build Your Actual System

By week three, you have a working budget that accounts for your slow season. Not a template. Not a generic spreadsheet. A system built around your real income fluctuations.

Test It Before You Need It

We run simulations using your past year's data. What if revenue dropped 30% for two months? What if a major expense hit during low season? You'll know exactly what happens before it happens.

Ongoing Refinement Process

The program doesn't end when classes do. You get quarterly check-ins to adjust your system as your business changes. Because seasonal patterns shift over time—your budget should too.

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