Build Financial Confidence Through Practical Skills

Join our nine-month program starting September 2025. We'll work through real budgeting scenarios, not theory. You'll leave with tools that actually work for your life.

Book a Chat About September Intake

Learn From People Who've Been There

Our mentors aren't just teaching concepts. They've sorted their own money messes and helped others do the same across Sydney and regional NSW.

Tobias Landvik, expense budgeting mentor

Tobias Landvik

Small Business Budget Guide

Spent fifteen years running a building supplies shop in Auburn before transitioning to financial education. Tobias knows what it's like when invoices pile up and cash flow gets tight. He focuses on teaching practical expense tracking for sole traders and small teams—nothing fancy, just systems that keep you afloat during quiet months.

Elara Vesper, personal budgeting specialist

Elara Vesper

Personal Budget Specialist

After managing household finances through two redundancies and three kids, Elara started helping neighbors with their budgets in 2018. She's honest about mistakes—like the time she forgot to account for quarterly rates and had to scramble. Now she teaches families how to build buffers and plan for those annoying irregular expenses that always catch you out.

Student working on budget planning with mentor guidance
3 Months
Average Time to First Breakthrough

What Progress Actually Looks Like

Most participants tell us their first win happens around month three. That's when the tracking becomes habit and you start catching overspending before it happens. Some people see changes faster, others take longer—depends on your starting point and how complex your finances are.

Month 2-3: The Click Moment
You'll probably spot your first pattern—maybe you're spending more on takeaway than rent, or subscriptions are bleeding you dry. Once you see it, you can fix it.
Month 4-6: Building Buffers
This is when people often start setting aside money for irregular bills. Not huge amounts, but enough that car registration doesn't wreck your month anymore.
Month 7-9: Making It Stick
By graduation, most students have a system that works for them. Not perfect—budgets never are—but sustainable enough that they keep using it after we're done.

How the Nine Months Break Down

We run three terms across the program. Each builds on the last, but we keep things flexible because life happens and everyone's situation is different.

1

Foundation Phase

September through November 2025. We start with the basics—tracking where your money actually goes, not where you think it goes.

  • Set up tracking tools that suit your style
  • Identify spending patterns and leaks
  • Create your first realistic budget
  • Learn to adjust when things change
2

Building Phase

December 2025 through February 2026. Time to work on the tricky stuff like irregular expenses and those categories that always blow out.

  • Handle seasonal spending shifts
  • Plan for annual and quarterly costs
  • Deal with variable income scenarios
  • Start building small emergency buffers
3

Independence Phase

March through May 2026. You'll handle most stuff yourself now. We're just here for questions and to help troubleshoot when weird expenses pop up.

  • Manage budget independently with support
  • Adapt system to life changes
  • Prepare for post-program continuation
  • Access ongoing community resources

September 2025 Intake Opens in June

We keep groups small—around 20 people—so everyone gets proper attention. If you're thinking about joining, reach out early. We fill spots on a first-come basis and usually have a waitlist by July.

Get Details and Application Info