Learn to Budget Like You Actually Mean It
Most budget courses teach you spreadsheets. We teach you how money actually works in your life. Our program runs from September through November 2025, and honestly, it's less about formulas and more about understanding why you spend the way you do.
Talk to Us About Joining
Who's Actually Teaching This Thing
We're not lecturers reading from textbooks. Everyone here has spent years working with real people and their actual money problems. That matters more than you'd think.
Finn Calloway
Spent twelve years helping families rebuild after financial setbacks. Knows what actually stops people from saving.
Cash Flow Patterns
Saskia Brennan
Former debt counsellor who realized most people just need someone to explain things without the judgment.
Debt Strategy
Declan Fothergill
Built budgets for over two hundred small business owners. Brings that practical perspective to personal finance.
Income Planning
Maeve Whitlock
Psychologist turned financial educator. Figured out that money stress is rarely just about the numbers.
Behavioral FinanceWhat You'll Actually Learn Over Three Months
The program starts September 2025 and runs twelve weeks. We meet twice weekly for the first six weeks, then weekly after that. You'll work through real scenarios from your own life, not theoretical examples from someone else's spreadsheet.
Some people come in thinking they need to track every coffee purchase. By week three, they realize the problem isn't the coffee.
Understanding Where It Goes
First month focuses on awareness without shame. You'll map your actual spending patterns and identify what's feeding your financial stress. No guilt trips about takeaway meals.
Building Your System
Second month is about creating a budget structure that fits how you think. Some people need daily check-ins, others prefer weekly reviews. You'll figure out what actually works for your brain.
Making It Stick
Final month covers what happens when life interrupts your perfect plan. Because it will. You'll practice adjusting without abandoning the whole thing.
Planning Beyond Next Week
Last few sessions look at longer-term thinking. Not retirement planning exactly, but understanding how small decisions compound over time. Results vary based on your starting point and commitment.
Ready to Stop Pretending Your Budget Works?
We're accepting participants for the September 2025 intake. Classes are capped at eighteen people because we need enough time to work through individual situations properly.
Sessions run Tuesday and Thursday evenings from 6:30 to 8:00 PM at our Coffs Harbour location. The last six weeks shift to Thursday only. You'll need to bring your actual financial information, not sanitized versions.
September 2025 Program Details: Twelve-week commitment starting September 9th. Expect homework between sessions and some uncomfortable conversations about your money habits. Individual results depend on your situation and how willing you are to change patterns that aren't working.