Master Your Monthly Budget in Six Months

Stop wondering where your money goes each month. Join our practical budgeting courses starting August 2025 and learn the simple systems that actually work for busy Australians.

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Student reviewing monthly budget planning worksheets
Sarah Kernaghan, Financial Education Specialist
Sarah Kernaghan
Financial Education Specialist

Real People, Real Budgets

After helping over 800 people tackle their monthly budgeting challenges, I've learned that most financial advice misses the mark. People don't need another complicated spreadsheet or rigid system that breaks down after two weeks.

Start Small, Build Steady

We begin with just three budget categories. Once those feel natural, we add more. No overwhelming 47-category systems on day one.

Your Life, Your Rules

Maybe you grab coffee out every day, or you're saving for a caravan trip. We build your budget around what matters to you.

Weekly Check-ins

Monthly budgets need weekly attention. We'll show you the 15-minute weekly routine that prevents month-end surprises.

No Shame, Just Progress

Overspent on groceries? Forgot to track expenses for a week? That's normal. We focus on getting back on track, not perfect execution.

How Our Six-Month Program Works

Months 1-2: Foundation Building

We start by tracking where your money actually goes for four weeks. No judgment, just data. Then we create your first simple budget with three main categories: essentials, savings, and everything else.

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Simple budget tracking worksheets and calculator

Months 3-4: System Refinement

Now we add detail where it helps and ignore it where it doesn't. Learn to handle irregular expenses, build a small emergency buffer, and develop your weekly money check-in routine.

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Advanced budgeting tools and planning materials

Months 5-6: Long-term Habits

By now, your budget feels natural. We focus on bigger financial goals, seasonal expense planning, and building the habits that keep you on track long after the course ends.

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