Built on Trust, Driven by Results

We've spent three years helping Vietnamese professionals master practical budgeting skills that actually work in real life. No complicated theories—just straightforward techniques that fit busy schedules and local financial realities.

Our Mission

Financial planning shouldn't require a finance degree. We break down rolling budgets and cash flow management into practical steps that busy professionals can implement during their lunch breaks.

Since launching in late 2022, we've watched over 800 Vietnamese professionals transform their relationship with money. Not through miracle formulas or get-rich-quick schemes, but through consistent, realistic budgeting practices.

Every technique we teach has been tested by real people with real jobs in Ho Chi Minh City and beyond. If it doesn't work for someone juggling family responsibilities and career demands, we don't teach it.

How We Work

Transparency drives everything we do. When we explain a budgeting concept, we show you exactly how it applies to typical Vietnamese salaries and expenses. No generic advice that ignores local realities.

Our team meets every Tuesday morning to review feedback from recent workshop participants. If someone struggled with a particular concept, we redesign that section before the next session.

We believe learning happens best in small groups where people can ask specific questions about their situations. That's why our workshops cap at 12 participants and include follow-up support sessions.

What Guides Our Approach

Three core principles shape every workshop, resource, and conversation we have with participants.

Practical Application

Every budgeting technique comes with real examples using Vietnamese salary ranges and common expenses. We show you how to adapt rolling budgets for Tet bonuses, seasonal expenses, and irregular income patterns.

Ongoing Support

Learning doesn't stop when the workshop ends. Participants get access to monthly check-in sessions and can reach out when they hit roadblocks implementing new budgeting systems.

Realistic Expectations

We focus on sustainable changes that fit your current lifestyle. No dramatic overhauls or unrealistic savings targets—just steady progress toward better financial habits that actually stick.

Meet Our Lead Instructor

Kamila Thornberry brings twelve years of personal finance experience to our workshops. After struggling with traditional budgeting methods that didn't account for Vietnamese work culture and family expectations, she developed the rolling budget approach we teach today.

She started SmartFlow Forces in 2022 after countless friends asked for help managing their money during the economic uncertainty. What began as informal coffee shop sessions has grown into structured workshops that hundreds of professionals now rely on.

Kamila holds sessions in both District 1 and District 12, making our workshops accessible to professionals across the city. Her next intensive workshop series launches in August 2025, with registration opening in June.

Kamila Thornberry, Lead Financial Education Instructor at SmartFlow Forces, smiling in professional business attire