Project 1 — Financial Planning for Graduates
A young graduate, with a net monthly income of 4,500 lei and student debt of 18,000 lei, was unable to save more than 2% of their income. The lack of a clear spending structure and the postponement of capital investments limited their long-term financial growth.
We applied the adjusted "50/30/20" method: 50% needs, 30% savings and investments, 20% personal expenses. We prioritized saving discipline by automating monthly transfers and created an accelerated debt repayment plan.
We set up a dedicated savings account (3.5% annual interest) and a capital investment portfolio starting at 500 lei/month in diversified ETFs. We reduced non-essential expenses by 18% by auditing subscriptions and dining out.
After 12 months: student debt reduced to 6,000 lei, total savings of 8,400 lei, and a capital investment portfolio of 6,000 lei. The savings rate increased to 28% of income, and the credit score improved by 45 points.
A clear 4-step process to turn your financial goals into reality.
We analyze your income, expenses, and debts to create a complete financial profile.
We create a savings and investment plan tailored to your short-term and long-term goals.
We support you step by step in applying tax optimization strategies and debt management.
We periodically review progress and adjust the plan to maximize your investment returns.