How Fundora Works — Cases, Scenarios, Results

Focused case intake

Every engagement begins with a focused intake that captures three elements: clear purpose statements, current cashflow snapshots, and known constraints. For example, a client might state: 'I want to free 500 SGD/month for retraining while keeping a 3-month buffer.' We convert that statement into measurable targets and a checklist of available levers (spend reallocation, temporary revenue work, or phased savings).

The intake is intentionally time-boxed to two sessions so clients can start with one practical test within a month. Each intake produces a one-page case sheet that describes the purpose, constraints, proposed scenarios and success criteria.

Designing scenarios

Scenario design creates two to four plausible futures. Scenarios are specific: they contain monthly cashflow tables, trigger rules, and simple behavioral commitments. Example scenarios include a conservative path that preserves availability and an experimental path that frees funds for a priority goal by reducing discretionary spend and testing a revenue-scale tactic.

• Baseline scenario — current cashflow and contingencies
• Adjusted scenario — targeted reallocations and short-term tests
• Upside scenario — additional revenue or accelerated saving options

Each scenario includes an explicit trigger plan: when to stop, when to scale, and what to measure. Triggers reduce emotional decision-making and make comparisons concrete.

Pilot implementation and measurement

Pilots run for a pre-defined period (commonly 30 days) and focus on one or two variables. For a small e-commerce operator, a pilot tested a 10% promotional discount plus a tighter inventory cycle to observe net cashflow impact. Measurement focuses on cash in, cash out, and the operational effort required.

After the pilot we analyze outcomes against the success criteria. The aim is to produce an evidence-based decision: continue, adapt, or abandon the tested action. Recommendations are practical and framed as next small steps.

Refinement and roadmap

Refinement converts pilot learnings into a staged roadmap. Each stage has expected costs, timing, and a clear decision rule. For a family reallocating funds for education, stages included emergency buffer preservation, gradual reallocation of discretionary spend, and an annual reassessment tied to tuition timelines.

Roadmaps prioritize reversibility: early moves are low-cost and easy to unwind, while later stages may require firmer commitments backed by evidence from prior pilots.

Practical checkpoints

Each roadmap includes checkpoints at 30, 90 and 180 days with simple metrics to track. Checkpoints ensure plans remain aligned with evolving circumstances.

Templates and tools

We provide templates for monthly cashflow tables, scenario worksheets, and pilot measurement sheets. Templates are populated with example data and annotated with notes drawn from real cases so clients can adapt them quickly.

Templates are designed for reuse: clients can copy them for new goals, making future scenario design faster and more reliable.

Pricing structure

Pricing is modular: an intake package, a pilot implementation package, and optional ongoing review. Each module specifies deliverables, timelines and what the client will receive in terms of templates and documented case notes.

• Intake and scenario design (fixed fee) — includes one-page case sheet
• Pilot support and review (fixed fee) — includes measurement plan and follow-up roadmap
• Use scenario mapping to align monthly savings with near-term missions, such as a 12-month career transition fund that covers living expenses and reskilling costs.

Case example: a young family in Singapore reallocated discretionary spending into three purpose buckets—emergency buffer, child education micro-savings, and a two-year renovation fund—tracking progress monthly and adjusting allocations after a 6-month review.

Client examples

Practical case: a mid-career professional prioritized debt reduction while preserving a small purpose fund for short-term career experiments. The result was improved cashflow clarity and actionable activity-offs when deciding between training courses and partial loan prepayments.

Scenario exercise: run a 6-month 'purpose experiment' with two parallel budgets—one conservative for essential needs and one opportunity-focused for commitments aligned with personal missions. Compare outcomes, document learnings, and iterate allocation rules for the next period.