Eight Months of Practical Learning
Our core program runs from August through March, giving you time to implement each concept before moving forward. You'll start with current expenses and finish with a complete annual budget for the following year.
Master Your Money Through Annual Planning
Build confidence with practical budgeting skills that actually work for Australian families. Our comprehensive program teaches you to create annual budgets that adapt to your real life.
Why Annual Planning Changes Everything
Most people budget month to month, then wonder why unexpected expenses always catch them off guard. Annual planning gives you the bigger picture. You'll see patterns in your spending and actually prepare for those "surprise" costs that happen every year.
- Map out seasonal expenses before they hit
- Build realistic emergency funds that actually work
- Balance short-term needs with long-term goals
- Create flexibility for life's curveballs
- Track progress with meaningful milestones
Our Three-Phase Approach
We don't just teach theory. You'll work with real numbers and build actual budgets that fit your specific situation.
1
Foundation Phase
Start by understanding where your money actually goes. We help you track expenses without judgment and identify patterns you might not notice. This isn't about cutting everything you enjoy – it's about clarity.
2
Building Phase
Create your first annual budget using proven frameworks adapted for Australian lifestyles. You'll learn to anticipate seasonal costs, plan for irregular expenses, and build buffers that actually protect you.
3
Mastery Phase
Refine your system through real-world testing. Adjust for unexpected changes, optimize your spending categories, and develop the confidence to make big financial decisions with clarity.
Real Results From Real Students
These numbers come from our 2024 program graduates who completed our full curriculum and tracking exercises.
87%
Reduced Financial Stress
Reported feeling more confident about
money decisions
,400
Average Savings Increase
Additional amount saved in first year
after completion
94%
Still Using System
Continue with annual planning one year
later
6.2
Months to Break Even
Average time to recover program investment
Next Intake: August 2025
Early registration opens in May. Classes are limited to 25 participants to ensure personal attention and meaningful group discussions.
Month 1-2: Current Reality Assessment
Track existing spending patterns and identify your natural money habits. No changes required – just awareness building through practical exercises.
8 weeksMonth 3-4: Category Development
Build spending categories that match your actual life. Learn to group expenses logically and create realistic allocation amounts.
8 weeksMonth 5-6: Annual Framework
Construct your first full-year budget using seasonal planning techniques. Account for holidays, insurance renewals, and other predictable "surprises."
8 weeksMonth 7-8: Implementation & Adjustment
Test your budget with real transactions. Learn adjustment techniques and develop troubleshooting skills for when life doesn't follow the plan.
8 weeksWhat Our Students Say
I used to panic every time our car needed repairs or the kids had school excursions. Now I actually have money set aside for these things because I learned to plan for them annually. It's such a relief.
The program taught me that budgeting isn't about restricting everything fun. It's about making conscious choices and actually having money for the things that matter to our family. We take better holidays now because we plan for them properly.