Building Better Financial Habits Since 2019

We started with a simple idea: make budget categorization less overwhelming for small businesses in the Philippines. What began as spreadsheet consulting has grown into comprehensive financial planning education.

Our Story Through the Years

From helping a few local businesses organize their expenses to developing structured learning programs that serve entrepreneurs across Metro Manila.

2019

The Beginning

Started as a one-person consulting practice in Makati, helping local restaurants and retail shops organize their daily expenses. Most clients were using handwritten ledgers or basic calculators.

2021

First Workshop Series

Launched weekend workshops at community centers after realizing many business owners faced similar challenges. Taught 40 entrepreneurs how to set up proper budget categories using accessible tools.

2023

Digital Learning Platform

Moved workshops online during the pandemic and discovered people preferred learning at their own pace. Developed our first structured course combining video lessons with practical exercises.

2024

Expanded Curriculum

Added advanced modules covering cash flow forecasting and seasonal budget planning. Started partnerships with local business organizations to reach more entrepreneurs seeking practical financial skills.

2025

Looking Ahead

Planning comprehensive 12-week programs starting September 2025. Focus remains on practical, actionable education that helps real businesses make better financial decisions without overwhelming complexity.

What Drives Our Teaching

  • Practical Over Perfect
    We teach systems that work in real businesses, not theoretical models. If it can't help you next Monday morning, we don't include it.
  • Small Steps Forward
    Better to implement one simple change that sticks than to attempt a complete overhaul that fails. Progress beats perfection every time.
  • Local Context Matters
    Philippine businesses have unique challenges. Our examples use familiar scenarios – dealing with cash payments, seasonal variations, family business dynamics.
  • Honest About Limitations
    We won't promise overnight transformations. Good financial habits develop gradually, and we're upfront about what realistic improvement looks like.

Carmen Villareal

Founder & CEO

Teaching What Actually Works

I spent my first three years in business making every budget mistake you can imagine. Mixed personal and business expenses, forgot about quarterly taxes, had no idea where money actually went each month.

The turning point came when I started treating budgeting like cooking – you need good ingredients (accurate numbers), a reliable recipe (consistent categories), and practice (regular review). No magic, just discipline.

Now we help other business owners avoid those same expensive mistakes. Our students don't become finance experts overnight, but they do gain confidence in their numbers and make better decisions with their money.

1

Start Simple

Master basic expense tracking before moving to complex forecasting

2

Use Real Data

Work with your actual business numbers, not generic examples

3

Review Weekly

Regular check-ins prevent small issues from becoming big problems