Valerie Chan

Wealth=Income-Expenses Valerie Chan

Reaching your full potential in personal finance by budgeting

Financial issues


Finance is not everyone's cup of tea. You may find that the world of finance is daunting and you may feel helpless and overwhelmed.

Is your situation untenable and are you seeking a solution?


There is a misconception that you have to deal with all your finances in one go and that you have to know everything.



As a metaphor, you do not need to know about coding to be able to use your computer. Only deal with matters that are relevant to you.

Hints and tips on how to tackle your finances
Wealth=Income-Expenses breaks down each component of your finances. The book has Dos and Don'ts for ease of reference. It provides you with practical examples on what you can do. There are ways of overcoming some of the obstacles you may encounter. There are examples of savings already made by some people I have helped. How would you feel after reading Wealth=Income-Expenses?
You will feel empowered as you will be able to effect changes. You will be inspired to better other aspects of your life.

Happy reading! Your feedback is much appreciated.