Upcoming Financial Education Programs

We run structured learning programs throughout the year, focusing on practical income management and realistic budgeting approaches. Each course is designed around actual financial scenarios that everyday Australians face. Our next intake starts in mid-2026, and we're already preparing materials based on feedback from previous participants.

Most people who join our programs are looking for straightforward guidance without jargon or complicated formulas. That's what we've built—courses that make sense the first time you hear them.

Three Core Programs Starting July 2026

We're offering three distinct programs next year. Each runs for several weeks and includes both live sessions and self-paced materials. You'll work with real budgets and actual income scenarios, not hypothetical examples.

Students reviewing financial documents and budget spreadsheets

Foundations of Personal Budgeting

8 weeks Tuesday evenings

This program walks you through setting up a working budget from scratch. We cover income tracking, expense categorization, and how to adjust when things don't go as planned. It's designed for people who've tried budgeting before but haven't found a method that sticks.

  • Weekly live Q&A sessions with instructors
  • Template budgets you can adapt immediately
  • Small group discussions with other participants
  • Access to course materials for 12 months
Starts July 8, 2026
Financial planning session with charts and analysis tools

Variable Income Management

6 weeks Thursday evenings

If your income changes month to month—freelancers, contractors, or anyone with seasonal work—this course addresses the unique challenges you face. We focus on building buffers, smoothing out irregular cash flow, and planning for lean months.

  • Strategies for income averaging and forecasting
  • Building financial cushions without rigid savings targets
  • Case studies from actual freelance and contract work
  • Tools for tracking multiple income streams
Starts July 15, 2026
Group learning session on household financial planning

Household Financial Coordination

7 weeks Saturday mornings

Managing money gets more complex when multiple people are involved. This program is built for couples, families, or anyone sharing expenses. We cover communication strategies, shared goals, and systems that work when everyone has different spending habits.

  • Joint budgeting frameworks for shared households
  • Approaches for discussing money without conflict
  • Balancing individual preferences with collective goals
  • Real examples from multi-income households
Starts July 24, 2026

Registration for these courses opens in March 2026. We cap enrollment at 25 participants per program to maintain quality discussion and individual attention. If you're interested, you can reach out now to get details when registration begins.

What to Expect During the Programs

Each course follows a similar structure, though content varies significantly. Here's how a typical program unfolds week by week. Click any week to see what gets covered.

The first week is about understanding where everyone's starting from. No two people have identical financial situations, so we spend time mapping out your current approach—what's working, what isn't, and what you'd like to change.

We introduce the tools we'll use throughout the course and set realistic expectations. This isn't about dramatic overnight changes. It's about identifying practical adjustments that fit your actual life.

Week 1 Topics:

  • Current financial assessment exercise
  • Introduction to course tools and resources
  • Setting personal learning objectives
  • Group introductions and expectations

Before you can budget effectively, you need an accurate picture of what's coming in. Sounds simple, but many people have a rough estimate rather than actual figures. This week focuses on tracking all income sources with precision.

We also discuss irregular income—bonuses, side work, reimbursements—and how to account for money that arrives unpredictably. By the end of this week, you'll have a complete income snapshot.

Week 2 Topics:

  • Creating comprehensive income logs
  • Handling irregular and variable income
  • Tax considerations for different income types
  • Digital tools for income tracking

This is where most people discover surprises. We go through actual spending data and categorize everything. Not to judge what you're spending on, but to see patterns you might not have noticed.

The goal is awareness, not restriction. When you know where money actually goes, decisions become clearer. We use real examples from participants and discuss common spending patterns in Australian households.

Week 3 Topics:

  • Expense categorization methods
  • Identifying spending patterns and triggers
  • Fixed versus variable expense separation
  • Hidden costs and subscription audits

Now we put income and expense data together into a working budget. This isn't a theoretical exercise—you're building a budget you'll actually use starting this month. We work through allocation decisions and priority setting.

Everyone's budget looks different because everyone's priorities differ. The framework is consistent, but the numbers are yours. We spend time on adjustments and troubleshooting common issues that emerge.

Week 4 Topics:

  • Budget framework selection
  • Allocating income across categories
  • Priority setting and trade-offs
  • Creating realistic spending limits

By now you've been using your budget for a few weeks. This is when reality meets planning. Things rarely go exactly as projected, and that's normal. We address what happens when expenses exceed expectations or income falls short.

These weeks focus on flexibility and problem-solving. How do you adjust mid-month? What gets prioritized when you can't cover everything? We work through actual scenarios participants are facing.

Weeks 5-6 Topics:

  • Mid-cycle budget adjustments
  • Handling unexpected expenses
  • Income shortfall strategies
  • Rebuilding after budget failures

The final weeks connect daily budgeting with longer-term goals. We discuss how to plan for larger expenses, build gradual savings, and maintain the systems you've developed when the course ends.

This isn't about creating elaborate financial plans. It's about sustainable habits that continue after the program. We also cover where to go for continued learning and what resources are worth your time.

Final Topics:

  • Connecting budgets to broader goals
  • Building gradual reserves
  • Planning for annual or irregular expenses
  • Maintaining systems independently

How These Programs Actually Work

Our approach differs from typical financial courses. We focus on practical application rather than theory, and we don't follow a rigid curriculum that ignores individual circumstances.

What We Do

Sessions are interactive, not lectures. You'll work with your own financial data, not generic examples. Every week includes time for questions specific to your situation, and group discussions where participants share what's working for them.

  • Work with your actual income and expense data throughout the course
  • Small group sizes allow individual attention and specific feedback
  • Templates and tools are provided but customizable to your needs
  • Live Q&A sessions address real problems as they emerge
  • Course materials remain accessible for ongoing reference
  • Optional follow-up sessions for those who want continued support

What to Bring

You'll need basic financial information—recent bank statements, pay stubs, and a list of regular expenses. We don't require specialized software, though we'll introduce tools that can make tracking easier if you choose to use them.

  • Recent financial records (3 months recommended)
  • List of all income sources and amounts
  • Regular expense information, including annual or periodic costs
  • Openness to examining current financial habits honestly
  • Willingness to try new approaches even if previous methods didn't work
  • Time commitment for weekly sessions and between-session work
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