Master Your Money Through Smarter Expense Tracking
Most people lose track of where their money actually goes. We teach you practical categorization methods that reveal spending patterns you didn't know existed. Our autumn 2025 program starts with real transactions from real people who turned financial confusion into clarity.
Explore Program Details
Why Categorization Actually Matters
Here's something nobody tells you at the start. When you lump all spending into vague buckets like "miscellaneous" or "stuff," you miss the patterns that drain your account every month.
We've worked with hundreds of Australians who thought they had a restaurant problem when the real issue was convenience store runs adding up to serious money. Or subscription services they'd forgotten about completely.
The program walks you through building a category system that fits how you actually live, not some textbook version of perfect budgeting. You'll learn to spot the difference between necessary expenses that vary and discretionary spending that creeps upward when you're not watching.
What You'll Actually Learn
Six focused modules that build on each other. Each one tackles a specific challenge people face when trying to get their expenses under control.
Foundation Categories
Start with the core expense types every household has. Learn which ones need detailed tracking versus broad monitoring.
Variable Expenses
Understand why some costs fluctuate and how to categorize them in ways that reveal useful information rather than noise.
Hidden Spending
Identify the categories people overlook until they add up their year. Small recurring charges that escape notice for months.
Seasonal Adjustments
Create systems that adapt when expenses shift throughout the year without breaking your overall categorization approach.
Digital Tools
Match your category system to common apps and spreadsheets. Make technology work with your method instead of forcing awkward compromises.
Long-Term Maintenance
Build habits that keep categories relevant as your life changes. Know when to split or merge categories based on new patterns.
Your Learning Journey
The program runs for twelve weeks starting October 2025. Each phase introduces new concepts while reinforcing what you've already built.
-
1
Weeks 1-3: Assessment
Gather three months of your actual transaction history and start identifying natural groupings in your spending. You'll be surprised what shows up when you look at the data properly.
-
2
Weeks 4-6: Structure Building
Create your personal category framework based on what you discovered in phase one. Test it against another month of transactions to see where it needs adjustment.
-
3
Weeks 7-9: Pattern Recognition
Learn to spot trends and anomalies that matter. Develop the skill to glance at categorized expenses and immediately see what needs attention.
-
4
Weeks 10-12: Optimization
Fine-tune your system for long-term use. Build the monthly review process that keeps everything current without becoming a time burden.
How We Teach This
Real examples beat theory every time. You'll work with actual anonymized transaction data from people who've been through the program.
Case Study Method
Each week presents a different household scenario. Single professionals with irregular income. Families managing multiple cost centers. Retirees tracking fixed expenses.
You'll categorize their transactions using different approaches, then see which methods revealed useful insights versus which ones created busywork. The comparison shows you why certain category structures work better for specific situations.
I spent years helping people fix their finances and kept seeing the same problem. They'd collect all this expense data but categorize it in ways that hid the information they actually needed. Built this program to address that specific gap. The methods work because they're tested on real spending patterns from real households across different income levels.
Ready to See Where Your Money Goes?
The autumn 2025 intake opens for enrollment in August. Limited to 45 participants so everyone gets detailed feedback on their categorization systems.