The land of Egypt introduces the client to recognizing their finances in three phases: income, fixed expenses (bills), and discretionary spending (non-fixed expenses, or, the amount of money left over after paying the bills). This exercise takes 1 or 2 sessions on the computer and can easily be completed in a day or two. We call the budget HSP for “Household spending plan”.

The Safari takes you from Egypt to South Africa. It takes place over 30 days and introduces the simple envelope system. The discretionary funds are divided up into five categories and the cash is placed into five envelopes: Home, Food, Clothing, Transportation and Other. The goal is to pay your discretionary expenses with cash out of your envelopes instead of with credit.

The Caribbean teaches the client about how quickly our money can slip away if we don’t keep a record of what we spend it on. In the Caribbean the client is introduced to “Spender’s Abyss” and shows them a system that we call “TYS” which stands for “Track Your Spending”. This adventure also takes 30 days as we teach the client to record everything that they spend money on from their discretionary funds. After 30 days, we introduce “KLL” (Keep it, Like it, Lose it) as a means for them to identify areas of needless spending, to put a reign on some loose spending practices.

After you have journeyed through the Safari and the Caribbean, you will be able to visit the Philippines to complete your online learning experience. In the Philippines we merge the envelope system, Track Your Spending, and Keep it, Like it or Lose it into one powerful online finance management tool. You will be able to refine your budget further by making a more accurate prediction of their discretionary spending (HSP #2).