Build Real Financial Skills That Actually Stick
Most people struggle with cash flow because they've never been taught how money actually moves through their life. We created this program after watching too many Australians stress about finances they could easily manage with the right approach.
Our autumn 2025 intake focuses on practical budgeting techniques you'll use every week. Not theory from textbooks—real strategies we've tested with hundreds of people right here in the ACT and across Australia.
You'll work through your actual expenses, not hypothetical examples. By the end, you'll have a system that fits your life, not someone else's idea of what budgeting should look like.
How the Program Unfolds
We've structured this over 16 weeks because real financial change takes time. Each phase builds on what you've already learned, so nothing feels overwhelming.
Foundation Work
First month is about understanding where your money actually goes. Most people are surprised when they track their spending properly—it's rarely what they assumed. We'll help you set up tracking systems that don't require spreadsheet expertise.
Weeks 1-4
Building Your Framework
Now we create a budget that works for your specific situation. Not a generic template—your actual income, your actual expenses, your actual goals. We'll adjust it together until it feels manageable, not restrictive.
Weeks 5-8
Testing and Refining
This is where most programs fail. We stick with you while you actually use your budget in real life. When unexpected expenses hit (and they will), we'll help you adapt without abandoning the whole system.
Weeks 9-12
Long-Term Confidence
Final month focuses on handling irregular expenses and seasonal changes. You'll learn to anticipate financial pressures before they become problems. Most participants say this phase is when everything finally clicks.
Weeks 13-16
Who's Actually Teaching This
Dejan Kovačević
Spent 12 years helping families recover from financial setbacks. Specializes in realistic budgets for irregular income.
Saoirse MacLeod
Former retail manager who understands variable hours and unpredictable schedules. Teaches practical tracking methods.
Linnea Järvinen
Focuses on why we make emotional money decisions. Her sessions help people understand their spending patterns.
Vesna Dimitrov
Works one-on-one during implementation phase. Known for finding creative solutions to stubborn budget challenges.
What You'll Actually Cover
Each module focuses on one specific skill. We've found people learn better when they can master something completely before moving to the next topic. No rush, no overwhelm.
Tracking Without Obsessing
Learn to monitor spending in ways that take less than 10 minutes per week. We'll show you three different methods—pick whichever suits your style. Some people prefer apps, others like simple notes. Both work fine.
Essential vs Everything Else
Figure out what you truly need versus what you've convinced yourself is necessary. This gets uncomfortable sometimes, but it's where real progress happens.
Buffer Building
Create breathing room in your budget so you're not living paycheck to paycheck. Even $500 makes a massive difference when something breaks.
The Annual Expenses Problem
Car registration, insurance, Christmas—these predictable expenses derail most budgets. We'll build a system that removes the stress from these recurring costs. You'll know they're coming and have the money ready.
When Plans Change
Your budget will need adjusting. Income changes, expenses shift, life happens. Learn to adapt your system without starting from scratch.
Household Conversations
If you share finances with someone, you need to talk about money without fighting. We cover communication strategies that actually work.
Ready to Get Started?
Our next program begins September 2025. We're limiting the group to 18 participants because everyone needs individual attention during the implementation phase.
Sessions run Tuesday evenings at our Tuggeranong location, with optional weekend workshops for people who can't make weeknight commitments.
Upcoming Intakes
Autumn intake—our most popular session. Runs through mid-December with a break for holidays, then final sessions in January 2026.
Summer intensive format. Same content, condensed schedule for people who want to finish before financial year ends.
Mid-year program. Good timing if you're planning financial changes before the new financial year starts in July.