We Help People Build Better Financial Habits
Back in 2019, we noticed something. People weren't struggling with big financial theories or complex investment strategies. They were drowning in the basics.
Budget spreadsheets gathering digital dust. Good intentions that fizzled out by February. That familiar cycle of trying to get organized, failing, and feeling pretty lousy about it.
So we started BeginXFuture with one clear goal: make budget reviews actually work for regular people living regular lives.
What We Actually Do
Our budget review process isn't about judgment or lecturing. We sit down with you and look at where your money's actually going. Not where it should go according to some textbook. Where it really goes.
Then we help you spot the patterns. Maybe your grocery spending spikes every Thursday because you shop when you're starving. Or your subscription costs have quietly doubled over the past year. Small stuff that adds up.
We've worked with over 240 individuals and families in Thailand since we started. Most come to us feeling embarrassed about their finances. They leave with a plan that fits their actual life, not some idealized version of it.
- Monthly budget reviews that track real progress without overwhelming you
- Practical spending adjustments based on your lifestyle and priorities
- Honest conversations about money habits without the guilt trips
- Tools and frameworks you can actually use after we're done working together
How We Approach Financial Education
We've learned a few things about what helps people stick with better money habits. And what definitely doesn't.
Start Where You Are
Your current budget situation is what it is. We don't waste time wishing it were different. We look at your actual numbers, your real spending habits, and build from there. The goal is progress, not perfection.
Keep It Simple
Complicated systems fail. Always. We use straightforward tracking methods and clear categories. If you can't maintain it without us holding your hand, we didn't do our job right.
Focus on Behavior
Math is easy. Changing habits is hard. We spend more time on why you make certain financial decisions than on the calculations themselves. Understanding your patterns matters more than memorizing formulas.
Who's Behind This
We're a small team based in Chiang Mai. Everyone here has wrestled with their own budget disasters before figuring things out. That's probably why we're decent at helping others through it.
Kasper Lindholm
Kasper spent five years as a corporate accountant before burning out completely. He started BeginXFuture because he was tired of seeing people make the same preventable mistakes with their budgets. He's blunt, occasionally funny, and really good at finding money leaks in your spending.
Emilia Bjornstad
Emilia came from the education sector and brings that teaching background to every client session. She's the person who'll explain compound interest three different ways until it clicks. Her specialty is helping people who think they're "bad with money" realize they just needed better systems.
Ready to Get Your Budget Under Control?
Our next group program starts in September 2025. Or we can set up individual sessions if that works better for your schedule.
Talk About Your Budget