Practical finance guides
Plain-English articles on managing cash, understanding investment risk and planning business finances.
Modern Finance for Ordinary Folks · Oliver Tey, CA · Published 3 October 2026 · Produced with the help of AI
How to build a cash flow budget that follows your bills
Build a cash flow budget that tracks income, bill dates and annual expenses. A practical plain-English guide with a fictional ringgit example.
Investment risk: start with the goal and the spending date
Understand investment risk, time horizon and diversification before choosing investments. A plain-English educational guide from Modern Finance for Ordinary Folks.
How to turn a three-year business plan into a useful financial model
Turn a three-year business plan into a financial model with operating assumptions, cash flow, downside scenarios and clear review responsibilities.
General financial education using fictional examples; not personalised investment, legal or tax advice.
Explore the six-book series · Business consultancy · Finance training