Educational Programs

Learning resources
organized around
how you earn.

Three programs designed for different income patterns. Each one builds on practical tools you can use immediately, without any prior financial knowledge.

All programs

Choose the program that fits your household

Workshop participants learning basic budgeting concepts together
Beginner

Budget Foundations

For households new to formal budgeting. Covers the essential distinction between fixed and variable expenses, how to build a simple priority list, and how to track income and spending with nothing more than a notebook.

All income types
4 modules
Group session on variable income planning for agricultural and trade workers
Intermediate

Variable Income Planning

Designed specifically for farmers, market vendors, and independent workers. Covers income cycle mapping, lean-period management, and how to build a stable household budget when earnings fluctuate month to month.

Irregular earners
6 modules
Families participating in a reserve fund building workshop in Ecuador
All levels

Reserve Fund Workshop

A focused program on building and maintaining a household emergency reserve. Covers how to set a first savings target, how to contribute consistently even with limited surplus, and how to replenish the fund after use.

All households
3 modules

What each program covers

Detailed content overview

Module breakdown

1
What is a household budget?
The purpose of a budget and why it matters even when income is small or irregular.
2
Fixed vs. variable expenses
How to identify and list every regular obligation your household carries.
3
Building your priority list
Ranking expenses so you always know what to protect first in a difficult month.
4
Simple tracking tools
How to record income and spending with a notebook, a table, or basic phone notes.

Who this program is for

Families with no prior experience managing a formal budget
Households that want a simple, structured starting point
Anyone who has tried budgeting before but found it too complicated
Starting with the basics means you build on a solid foundation.

Module breakdown

1
Mapping your income cycle
Identifying your peak and low periods over the year and planning around them.
2
Calculating a usable average
How to derive a realistic monthly budget figure from irregular income history.
3
Managing the lean period
Strategies for covering fixed obligations during months of low or no income.
4
Separating business and household money
Why mixing the two is one of the most common causes of financial instability.
5
Planning for input costs
How to include seeds, tools, and restocking costs in your annual household plan.
6
Building stability over time
Long-term habits that gradually reduce the financial impact of income fluctuations.

Who this program is for

Agricultural families with seasonal income patterns
Market vendors and small traders with daily sales variation
Independent workers who receive income in batches
Households that have completed Budget Foundations or have equivalent experience

Module breakdown

1
Why a reserve fund matters
The difference a small cushion makes when facing an unexpected expense.
2
Setting your first target
How to define a reachable starting goal based on your household's actual expenses.
3
Building and replenishing the fund
Consistent contribution habits and how to rebuild after the fund has been used.

Who this program is for

Any household that currently has no financial cushion for emergencies
Families who have tried saving before but found it difficult to maintain
Households with very limited surplus who want to start small

Questions about the programs?

We're here to help you find the right fit

If you're not sure which program matches your household's situation, reach out and we can help you identify the best starting point.

Contact Us