About Cozymanual
Understanding household expenses through practical analysis
Our Foundation
Cozymanual started in 2018 when a group of financial analysts and homeowners in Sofia noticed a gap in accessible information about real household costs. We established our practice to provide transparent breakdowns of monthly expenses for four-bedroom private homes across Bulgaria.
Our team consists of 12 certified financial advisors and property management specialists with backgrounds in accounting, real estate, and household economics. We analyze data from over 500 homes annually to deliver accurate expense reports.
Located on ul. Tsar Simeon 123 in Sofia, we serve homeowners throughout Bulgaria who need clear understanding of their monthly costs. Our reports cover utilities, maintenance, insurance, property taxes, and seasonal variations specific to Bulgarian conditions.
Our Core Principles
Transparency
We provide itemized breakdowns with actual numbers from real households, showing where each lev goes each month.
Accuracy
Our expense data comes from verified utility bills, maintenance records, and property documents collected across different Sofia districts.
Practicality
Every analysis includes actionable insights - specific areas where costs can be reduced without sacrificing comfort or property value.
Our Mission
To deliver comprehensive monthly expense analyses that help Bulgarian homeowners make informed decisions about their four-bedroom properties. We compile real data from heating costs to property maintenance across all seasons.
Our Expertise
Since 2018, we have analyzed 2,400+ household budgets. Our specialists track utility rate changes, seasonal cost fluctuations, and maintenance schedules specific to Bulgarian climate and infrastructure conditions.
