Master Your Personal Finance Journey

Empowering Canadians with practical financial education for better budgeting, expense management, and financial freedom.

Start Your Financial Journey

About Sitoyu Humawa

Sitoyu Humawa was founded in 2018 with a mission to demystify personal finance for everyday Canadians. Our team of financial experts and educators have helped over 10,000 clients take control of their financial future.

We believe that financial literacy is not a privilege but a fundamental life skill. Our approach combines practical budgeting techniques with behavioral psychology to create lasting financial habits.

Based in Toronto, our programs are specifically tailored to the Canadian financial landscape, addressing unique aspects like TFSA, RRSP, RESPs, and navigating the Canadian tax system.

Financial planning meeting

Our Financial Education Programs

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Budgeting Fundamentals

Learn to create and maintain a practical budget that works with your lifestyle. Our step-by-step approach makes budgeting simple and effective.

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Expense Tracking Mastery

Discover powerful techniques to track your spending, identify patterns, and find opportunities to save without sacrificing your quality of life.

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Financial Goal Setting

Set achievable financial goals and create a roadmap to reach them. Whether it's buying a home or planning retirement, we'll help you get there.

Investment in Your Financial Future

Essential Package

$99 one-time
  • Basic Budgeting Course
  • Expense Tracking Template
  • 2 Email Support Sessions
  • Resource Library Access
Get Started

Complete Package

$199 one-time
  • All Essential Features
  • Advanced Financial Planning
  • 4 One-on-One Coaching Sessions
  • Customized Action Plan
  • Priority Email Support
Get Started

Elite Package

$349 one-time
  • All Complete Features
  • Year-Long Support
  • 8 One-on-One Coaching Sessions
  • Debt Reduction Strategy
  • Investment Guidance
  • Quarterly Financial Reviews
Get Started

Success Stories

Frequently Asked Questions

How quickly will I see results from your programs?

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Most clients report noticeable improvements in their financial situation within the first 30 days. However, lasting financial transformation typically takes 3-6 months of consistent application of our methods.

Do I need any special software or tools?

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No special tools are required. We provide all necessary templates and work with tools you likely already have access to, like spreadsheet programs. We focus on principles rather than specific software.

Are your methods suitable for variable incomes?

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Absolutely. We specialize in creating flexible financial plans that work for freelancers, entrepreneurs, and others with irregular income streams. Our approach helps you manage cash flow effectively regardless of income predictability.

What makes your approach different from budgeting apps?

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While apps track numbers, we focus on changing behaviors and mindsets around money. Our personalized coaching addresses the psychological aspects of spending and saving that apps can't handle.

Is there ongoing support after the program?

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Yes, we offer tiered support options. Many clients choose to continue with quarterly check-ins to stay accountable and adjust their plans as life circumstances change.

Start Your Financial Transformation

Disclaimer: The information provided by Sitoyu Humawa is for educational purposes only and should not be considered financial advice. We are not certified financial planners, advisors, or registered investment advisors. The content we provide is for general guidance and information only and should not be considered a substitute for professional financial advice. Always seek the advice of qualified financial professionals regarding your individual circumstances. Results may vary based on individual effort, commitment, and adherence to our programs. Past performance is not indicative of future results.