We've noticed something over the years. People come to us with spreadsheets they don't use, budgeting apps they've forgotten, and a genuine confusion about where their money actually goes. Not because they're bad with finances—they just never learned the right framework.
Our program starts in September 2025. And honestly, the six-month lead time isn't random. We've found people need that space to observe their current patterns before restructuring them.
These aren't success stories about getting rich. They're about finally understanding what was happening with income and expenses, then making deliberate choices instead of reactive ones.
Retail Manager, Wollongong
Earning decent money but somehow always short by the last week of the month. Avoided checking her account balance because it made her anxious.
Built a three-month buffer and understood her actual spending patterns. Still enjoys coffees out, but now it's a choice rather than autopilot.
Freelance Designer, Sydney
Irregular income meant constant stress. Couldn't predict whether next month would be comfortable or tight. Started three different budgets that all failed within weeks.
Created a system that works with variable income. Knows exactly how much irregular earnings to set aside for quiet months. Actually uses his tracking method.
Teacher, Newcastle
Thought she was good with money because she saved automatically. But when unexpected expenses hit, she'd panic and undo months of progress by dipping into savings reactively.
Separated her savings into specific purposes. Built an actual emergency fund that she doesn't feel guilty using for real emergencies. Stopped the save-then-panic-spend cycle.
Most financial education either dumbs things down to the point of uselessness or assumes you already speak finance fluently. We've spent years finding the middle ground—practical enough to apply immediately, but thorough enough to create lasting change.
You track everything without changing behaviour. Just watch. Most people discover they have absolutely no idea where their money actually goes. That awareness alone shifts things.
We look at your specific patterns together. Not generic budget categories, but your actual spending triggers. When do you impulse buy? What expenses surprise you every single time despite being regular?
You create a financial system that matches how you actually live. If you hate spreadsheets, we don't force them. If you love detailed tracking, we go deep. The goal is something you'll maintain past week seventeen.
Your system meets actual life. Unexpected bills, seasonal variations, all the messy reality. We adjust based on what's working and what isn't, until it becomes second nature.
We run two cohorts each year—autumn and spring. The September intake gives you the full program before the December holiday spending period, which tends to be when everything you've learned gets properly tested.
Twenty-four weeks sounds long. But real behavioural change doesn't happen in a weekend workshop. You need time to observe, experiment, fail a bit, and adjust.
In-person sessions happen fortnightly in Horsley. Online check-ins happen in the between weeks. You get both structure and flexibility.
