Your Money Journey Starts Here

Learning to manage expenses doesn't happen overnight. Our program walks you through practical categorization methods that actually make sense for Australian households, from grocery budgets to utility tracking.

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How We Structure Learning

Most people who contact us aren't starting from scratch. They've tried budgeting apps, downloaded spreadsheets, or even hired advisors before. What they're looking for is something that sticks—a way to understand their money that doesn't feel like homework.

1

Foundation Phase

We start with where your money actually goes. Not theory about where it should go, but the real picture—coffees, subscriptions, impulse purchases at Bunnings.

  • Map your current spending patterns without judgment
  • Identify which categories matter most for your household
  • Set up tracking systems that take less than five minutes daily
2

Building Categories That Work

Generic budget categories fail because they don't match how you live. Someone working from home has different utility patterns than someone commuting to Sydney CBD daily.

  • Create custom categories based on your actual lifestyle
  • Learn to spot hidden spending patterns in bank statements
  • Adjust categories seasonally without starting over
3

Making Adjustments

This is where most budgets die. Life changes—kids start sport, electricity bills jump, the car needs fixing. We teach you how to adapt without feeling like you've failed.

  • Recognize when categories need reshuffling versus when you need more income
  • Handle irregular expenses without panic
  • Review patterns quarterly to catch trends before they become problems
4

Independence Phase

Eventually you stop needing us. That's the point. You'll know your spending well enough to make quick decisions without checking spreadsheets constantly.

  • Run your own expense reviews confidently
  • Spot warning signs early in bank statements
  • Access ongoing resources when you need a refresher

Different Ways to Learn

Some people want weekly check-ins. Others prefer working through materials at midnight after the kids sleep. We've built options that match different schedules and learning styles because rigid programs don't help anyone.

Self-Paced Materials

Written guides and recorded sessions you can work through whenever suits you. Takes about eight weeks if you're doing an hour or two weekly. No deadlines, no pressure.

Monthly Group Sessions

Join others working through expense management in small online groups. Third Tuesday evenings, 7:30pm AEST. Good for people who want regular accountability without feeling watched.

One-on-One Coaching

Direct sessions focused on your specific situation. Useful if you have complicated income sources, business expenses mixed with personal, or past financial trauma that makes group settings uncomfortable.

Participant reviewing expense categories on laptop during weekly budget review session

What You'll Actually Get

Access to our categorization templates that you can modify, not generic downloads. Real examples from other Australian households (anonymized). Monthly email check-ins where we answer questions without scheduling calls. And a private forum where people share what's working—or what isn't.

Programs opening for new participants in September 2025. Current cohort wraps mid-August.

See Our Approach

Questions People Ask

These come up in almost every initial conversation. If yours isn't here, email us. We usually respond within a day.

Darren Kellaway reviewing expense reports with program participant Before Starting

Getting Started Questions

  • Not really. If you can add up grocery receipts, you're fine. We teach the spreadsheet parts step-by-step, and there are alternatives if Excel makes you want to throw your laptop.

  • Start with your own spending first. When your partner sees you're not stressed about money constantly, they usually get curious. We have resources for bringing reluctant partners along gradually.

  • Setup takes a few hours spread over your first week. Daily tracking is five minutes tops. Weekly reviews run fifteen to twenty minutes once you know what you're looking for.

Fiona Ashcroft discussing budget adjustments with client during coaching session During Program

While You're Learning

  • Everyone does at some point. We show you how to catch up from bank statements without recreating every transaction. Missing a week doesn't mean starting over.

  • Yes. People switch between self-paced and group sessions fairly often. Just let us know what's not working and we'll sort out alternatives.

  • Email questions get answered within two business days. The private forum is active most evenings. Emergency budget questions—like "my car just died, now what?"—we usually respond to within hours.

After You Finish

You keep access to all materials and updates we make. Alumni forum stays open if you want to check in occasionally. We run quarterly refresher sessions covering new tools or changed regulations.

Most people need to reconnect after major life changes—new baby, job loss, inheritance. That's normal. We're here when those moments hit.

Read Alumni Stories
Program graduate confidently managing household budget review session independently

Ready to Start?

Next intake opens September 2025. Get on the list now and we'll send details about format options and what to prepare before your first session.

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