Our Story Started With One Simple Question
Why do so many hardworking Filipino families struggle with money despite earning decent incomes? That question drove us to create something different — real financial education that actually works in everyday life.
How Neo-Service Came to Life
Our journey wasn't planned in boardrooms or business schools. It started with real families facing real money challenges right here in Metro Manila.
The Lightbulb Moment
Helping neighbors in Makati with their monthly budgets, I noticed the same patterns everywhere. Good people, steady jobs, but money just seemed to slip away. Traditional banking advice felt too academic. We needed something practical.
Testing Our Ideas
Started with weekend workshops in community centers. Twenty families became our first students. We learned as much from them as they did from us. Their feedback shaped everything we do today.
Growing Beyond Expectations
Word spread faster than we anticipated. Families were seeing actual results — reduced debt, better savings habits, more confident financial decisions. We knew we had to scale this properly.
Today and Tomorrow
Now we're working with hundreds of Filipino families across different income levels. Each success story reminds us why we started — making financial literacy accessible, practical, and genuinely helpful.
What Drives Us Every Day
Real-World Education
We teach budgeting using actual Filipino expenses — rice costs, jeepney fares, utility bills. No abstract examples that don't match your reality.
Judgment-Free Support
Money mistakes happen to everyone. We create safe spaces where you can ask questions without feeling embarrassed about past financial decisions.
Gradual Progress
Big changes start with small steps. We help you build habits that stick, rather than overwhelming you with dramatic lifestyle overhauls.
Practical Tools
Every lesson comes with simple tools you can use immediately. Spreadsheets, checklists, and tracking methods that actually fit into busy Filipino schedules.
How We Actually Help Families
Our method isn't revolutionary — it's just honest, practical, and designed around how real Filipino families manage their daily finances.
Start Where You Are
No judgment about current spending habits or debt levels. We look at your actual situation — income sources, monthly expenses, family obligations. From there, we build realistic plans that work with your lifestyle, not against it.
Learn Through Doing
Theory alone doesn't change behaviors. You'll practice budgeting with your own numbers, track real expenses, and make actual financial decisions with guidance. Every lesson applies directly to your next paycheck.
Build Sustainable Habits
Quick fixes don't last. We focus on small changes that become automatic over time. Simple tracking methods, realistic savings goals, and spending patterns that reduce stress rather than create more pressure.
Adapt and Improve
Life changes, income fluctuates, unexpected expenses happen. We teach you to adjust your financial strategies when circumstances shift, so you stay on track even when original plans need modification.
The Person Behind Neo-Service
Financial education shouldn't be impersonal. You deserve to know who's providing guidance and why we care about your success.
Joaquim Rellora
Founder & Lead Financial Educator
Started Neo-Service after watching too many friends struggle with money despite having good jobs. Spent years learning from families across Metro Manila about what actually works in Filipino budgeting. Former accountant who got tired of abstract financial advice that didn't match real life. Now focused on practical education that helps families sleep better at night knowing their finances are under control.
Personal Experience
Made plenty of money mistakes myself. Those experiences inform how we teach others to avoid similar problems.
Local Understanding
Born and raised in Metro Manila. We understand family obligations, cultural expectations, and local financial realities.
Ongoing Learning
Every family we work with teaches us something new. We constantly improve our methods based on real feedback.
Long-term Thinking
Success isn't measured in weeks or months. We care about families still using these skills years from now.