One-on-One Counseling

Evaluating your financial habits and exploring your possibilities, we will design your new financial life. It’s more like a lifestyle towards your future goals, but not at all costs. Balance is the key to make it long-term and enjoyable. 

You might have already heard  that you ‘vote’ with your money and it’s very true. I’m not a fan of consumerism, but also not that frugal either. Spending your money is supporting the business you’re buying from. It affects more things than you might think. This is an interesting topic that actually relates to finances quite tightly.

Do you know your expenses? Major categories are Food, Household, Rent/Mortgage, Transportation, etc. It’s good to know your expenses and make a budget in advance. Budgeting helps you plan your expenses and you can easily keep track if you are within your budget or spent more than you wanted. You can always compare the budgeted numbers to the actual ones to see how you managed and what needs to be changed in the future to stay on board with your plans. There’s no one perfect way of budgeting, several techniques offer you help, and you can just choose what works for you.

Positive thinking about money is very important. Money is often correlated with problems, shortages, and stress. This attitude is not helpful and should not be passed on to future generations. 

Fix and variable costs, different kinds of incomes, cost-cutting, studying,  compromise, emergency fund, and investments.