Real strategies and practical advice to help you take control of your finances. No fluff, just actionable insights from our team of budgeting experts.
Forget complicated spreadsheets. This simple three-account approach has helped thousands of Vietnamese professionals gain control over their monthly expenses without feeling restricted.
We tested 47 different budgeting apps with real families in Ho Chi Minh City. Here's what we discovered about the features that matter and the ones that don't.
Emergency funds don't have to be impossible. Start with these micro-savings strategies that work even when money feels tight every month.
After working with over 800 clients, we've noticed patterns in spending behavior that have nothing to do with willpower or income level.
Real experts sharing honest insights from years of helping Vietnamese families navigate their financial journeys.
Linh has been helping families in Hai Phong and surrounding areas make sense of their money for eight years. She specializes in turning chaotic spending into clear, manageable systems. Before joining our team, she worked with a local credit union where she saw firsthand how small changes in money habits can create big improvements in daily life.
Small actions that can make a real difference in your financial situation this month.
Before you optimize anything, spend one week writing down every purchase under 50,000 VND. You'll discover spending patterns you didn't know existed.
For any non-essential purchase over 200,000 VND, wait 24 hours before buying. This simple pause prevents most impulse purchases that derail budgets.
Set up an automatic transfer of even 100,000 VND to a separate account on payday. Start small and increase gradually as the habit sticks.
Check your bank statements for recurring charges. Cancel services you forgot about or don't use regularly. This often frees up 300,000-500,000 VND monthly.
Budget for fun money each month so you can enjoy life without guilt. When you plan for enjoyment, you're less likely to overspend impulsively.
Create separate digital accounts for different expense categories. When the "dining out" account is empty, you're done eating out for the month.