Budget Planning That Actually Works
Most budget courses dump spreadsheet formulas on you and expect magic. We took a different approach. After working with hundreds of Australians who struggled to track spending, we built a program around real-world habits and actual household decisions.
Register Your Interest
How We Think About Money Management
Three principles shape everything we teach. They came from watching where people actually get stuck, not from textbooks.
Patterns Over Perfection
You don't need perfect records. But you do need to spot where money disappears. We teach pattern recognition before precision tracking.
Decision Frameworks
Should you buy that thing? Refinance now or wait? We give you thinking tools, not rigid rules that fall apart in real situations.
Household Context
Single income looks different from dual. Kids change everything. Your budget system should fit your life, not someone else's template.
Program Structure
Twelve weeks, spread over six months starting September 2025. This isn't intensive bootcamp stuff. It's designed around working schedules with breathing room between modules.
Each phase builds on the previous one. You won't be juggling five concepts at once.
Money Flow Mapping
Where does income actually go? We start with a four-week observation period before changing anything. Most people discover spending patterns they never noticed.
Priority Allocation
Rent and groceries aren't negotiable. Streaming services are. We build allocation systems that reflect what matters to your household, not generic advice.
Buffer Building
Emergency funds sound boring until your car dies. We cover realistic buffer strategies for different income levels and living situations.
Adjustment Systems
Life changes constantly. Your budget approach needs flexibility without falling apart completely. This module covers adaptation techniques.
What Previous Participants Found
I'd tried three budgeting apps before this program. They all showed me graphs but never explained why I kept overspending on takeaway. The pattern tracking module changed things. Turns out I ordered food every time project deadlines hit at work. Once I saw the connection, I could plan around it.
Started the program February 2025, finished in July. Now I actually know where money goes before the month ends.
The household context stuff was huge for us. My partner and I had completely different ideas about spending priorities. The allocation framework gave us a way to talk about money without it turning into an argument. We still don't agree on everything, but we have a system now.
Went through the program during our first year of living together. Would have saved us months of frustration if we'd done it sooner.
I'm self-employed, so income fluctuates constantly. Standard budget advice doesn't work when you don't know what you'll earn next month. The adjustment systems module taught me how to build flexibility into planning. Game changer for dealing with irregular income.
Took the program in autumn 2024. Still using the variable income strategies every month.
Next Intake: September 2025
We're opening registrations in June for our September cohort. Limited to 35 participants so everyone gets proper attention during group sessions.
Program runs September through February 2026. Investment is 0 for the full six months, with payment plans available. That includes all materials, group sessions, and follow-up support.