Financial Guides

Practical, bilingual guides for salary workers. Learn the ALICE line, build financial buffers, and make safer decisions.

Core Concepts

Understand the survival baseline concept and how it is calculated.

Turn the result into concrete actions and decisions.

A practical starting point: core principles, stages, and common mistakes to avoid.

A low‑income budgeting framework with realistic saving tactics.

How to calculate the target and build a stable financial buffer.

A safe, beginner‑friendly approach to long‑term investing.

What to prioritize and how to avoid over‑buying.

A clear, step‑by‑step plan to reduce high‑interest debt.

Key ratios, hidden costs, and stress‑test rules.

How to estimate targets and build a steady savings plan.

A simple framework to start early and reduce future pressure.

How to pick a low‑risk side income and avoid burnout.

Spending with intention to increase savings rate.

A stable, diversified portfolio framework with rebalancing tips.