Business Model

BudgetWise runs on a hybrid learning and coaching model tailored for financial empowerment. Our approach consists of five pillars:

1. **Foundational Courses**:
Step-by-step digital modules on budgeting, debt elimination, saving systems, and more.

2. **Live Coaching & Q&A**:
Monthly sessions with certified financial coaches who answer real-world questions.

3. **Digital Tools & Templates**:
Spreadsheets, planners, and automation tools to simplify tracking and decision-making.

4. **Community Support**:
Peer groups and accountability partners for motivation and progress tracking.

5. **Workshops & Challenges**:
Interactive sessions covering CPF, credit card strategy, emergency funds, and more.

**Revenue Streams**:
- Course bundles and subscriptions
- Live coaching and premium Q&A access
- Workshop ticketing and digital toolkits

**Target Audience**:
- Young professionals budgeting first incomes
- Families organizing household spending
- Couples planning joint financial goals
- Students learning financial independence

**Key Differentiators**:
- Singapore-relevant case studies and CPF coverage
- Blended learning format (video + live coaching)
- Inclusive design for all financial literacy levels

**Scalability & Growth Plan**:
BudgetWise is expanding its digital learning platform with AI-driven habit tracking, tailored savings plans, and mobile-first delivery. We’re forming partnerships with educational institutions, family services, and HR departments to scale financial wellness across Singapore and beyond.