Programs
Four ways in. All free.
Start wherever the pressure is. Most families begin with the one-on-one session and pick up workshops from there.
Foundations Workshop
For families who want a working budget and have never had one stick.
You'll leave with a completed monthly budget, a spending breakdown from your real numbers, and a rule for what happens when the month goes sideways.
Income mapping · Fixed versus variable spending · The envelope method · Building a starter emergency fund · What to do when the budget breaks
One-on-One Money Session
For anyone who wants their own numbers looked at rather than a general lesson.
You'll leave with a written plan specific to your household, and a follow-up date.
Your actual income and obligations · Debt sequencing · Savings targets that match your life · Remittance planning where it applies
What makes us different
Sending Money Home
For families supporting relatives abroad.
You'll leave with a cost comparison across the providers serving your corridor, and a transfer schedule that works with your pay cycle instead of against it.
How transfer fees and exchange-rate margins stack · Comparing providers honestly · Timing transfers around volatility · Building remittances into the budget as a line item, not an afterthought
The Monthly Envelope
For everyone. The low-commitment way in.
Each issue: one concept explained plainly, one worksheet, one action for the week.
Try it yourself
What does it really cost to send money home?
Most families know the fee. Almost nobody sees the exchange-rate margin, which is usually the bigger number and never appears on a receipt.
Drag the slider. This is the arithmetic we walk through in the first ten minutes of the remittance session.
Illustrative rates only — $4.99 flat fee plus a 4.2% exchange-rate margin, typical of a mid-market provider. [DUMMY — replace with real corridor data and a “rates as of” date before launch.]
Compare
Side by side
| Program | Format | Time | Best for |
|---|---|---|---|
| Foundations Workshop | Group | 2 hr | First-time budgeters |
| One-on-One Session | Private | 60 min | Your own numbers |
| Sending Money Home | Group | 90 min | Diaspora households |
| The Monthly Envelope | 10 min/mo | Staying consistent |