A six-month intensive where you'll learn to track expenses, build sustainable financial habits, and understand the numbers that actually matter in your daily life. We start with basics and move into real-world application.
No fluff. Just practical skills you can use right away. Each phase builds on the last, so you're never stuck wondering how things connect.
You'll set up your first tracking system and learn why some expenses sneak past even careful people. We cover categories that make sense for Australian households and small businesses.
Here's where it clicks. You start seeing trends in your spending and understand what's normal versus what needs attention. This phase tends to surprise most people.
Building budgets that actually work for your life. Not some template from the internet. We deal with irregular income, seasonal changes, and real household complexity.
You work on your own projects with guidance. Most people tackle a specific financial challenge here and figure out solutions that fit their situation.
Three people who've spent years helping Australians understand their finances. They're here because they care about this stuff.
Spent 11 years at a regional credit union before starting to teach. Knows the common mistakes because he's seen hundreds of people make them.
Former small business accountant who realized she preferred teaching to tax returns. Runs the hands-on sessions where things get messy and real.
Built tracking systems for five different industries before joining us. He handles the spreadsheet questions and tool recommendations that come up constantly.
You're placed in a group of five right from the start. These become the people you check in with weekly, share frustrations with, and eventually celebrate progress with. It matters more than you'd think.
Your group meets Thursday evenings online for 90 minutes. You discuss what worked, what didn't, and what you're trying next week. Some groups grab coffee afterwards.
Around week eight, each group tackles a budgeting scenario together. Past projects included planning a wedding on a fixed budget and managing cash flow for a cafe.
You'll look at each other's budget plans and tracking systems. Fresh eyes catch things you miss, and explaining your choices helps clarify your thinking.
Most groups stay in touch after the program ends. They share tips when something new comes up and occasionally meet for updates. It's voluntary but common.
This is based on tracking previous cohorts. Not everyone follows the same path, but these stages are pretty typical for most participants.
You're setting up systems and getting comfortable with tracking. It feels a bit tedious at first. Most people need about six weeks before it becomes automatic.
Patterns start showing up in your data. You notice where money goes and why. This is when people usually have their first real insight about their habits.
You're actively changing things based on what you learned. Some adjustments work great, others need tweaking. Your group helps troubleshoot the tricky bits.
By now you have a system that fits your life. You know what to track, when to review, and how to adjust. The skills stick because you built them gradually.