I wasn't expecting miracles, but having a clear plan changed how I think about money. The emergency fund took eight months to build—longer than I hoped—but it's there now. That peace of mind alone made the programme worthwhile.
Building Financial Clarity Through Practical Goal Setting
Most people struggle with money because they never learned how to set realistic goals. We teach practical frameworks that work for everyday Australians—whether you're managing household expenses or planning for retirement.
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Three Core Principles We Actually Use
Income Reality Check
You can't save what you don't have. We start by mapping your actual income patterns—including the irregular bits most budgets ignore. No judgment, just honest numbers.
Expense Archaeology
Most Australians underestimate spending by 30-40%. We dig through three months of transactions to find where money actually goes. The results surprise everyone.
Goal Prioritization
Can't do everything at once. We help you choose between competing priorities using decision frameworks that account for your age, circumstances, and risk tolerance.
How The Process Unfolds
1
Foundation Workshop (July 2026)
Six-week intensive covering basic financial literacy, Australian tax considerations, and goal-setting fundamentals. Evening sessions designed for working adults.
2
Implementation Phase
Three months of applying what you learned. We meet fortnightly to troubleshoot real problems—unexpected expenses, income changes, motivation dips. This is where theory meets reality.
3
Review and Adjust
Most plans need tweaking after 90 days. We review what worked, what didn't, and make practical adjustments based on your actual results rather than theoretical projections.
4
Long-Term Support
Quarterly check-ins for the first year. Many participants continue with annual reviews. Financial situations change—goals should adapt accordingly.
What Makes Our Approach Different
- We use Australian financial products and regulations—no American content translated poorly
- Small group sizes mean actual discussion rather than lecture halls
- Focus on behaviour change rather than complex investment strategies
- Real worksheets you'll actually complete, not homework you'll avoid
- Follow-up support included because initial enthusiasm fades for everyone
Realistic Outcomes From Past Participants
We asked graduates what changed six months after finishing. Here's what one Adelaide participant shared about her experience with the programme.
