Master Your Financial Year Planning
Real-world budgeting skills for Australian professionals who want to take control of their annual finances. Learn from practitioners who've been in your shoes.
Explore Programs
What Makes Annual Budgeting Work
Most people struggle not because they lack discipline, but because they're missing the framework. After working with hundreds of clients, I've seen three things that consistently make the difference.
Realistic Forecasting
Stop guessing at your expenses. Build projections based on your actual spending patterns from the past 12 months, not ideal scenarios.
Flexible Structure
Life changes throughout the year. Your budget should adapt to major events without falling apart completely when something unexpected happens.
Regular Reviews
Monthly check-ins take 20 minutes but catch problems before they become crises. You'll spot trends early and adjust before you're off track.
How We Actually Teach This
I'm not going to pretend this is easy. Building a solid annual budget takes time and some uncomfortable honesty about your spending. But it's learnable.
Our approach centers on working with your real numbers. You'll bring your actual bank statements, we'll analyze your genuine patterns, and together we'll build something that fits your life.
- Start with 12 months of real transaction data
- Identify your fixed versus variable spending
- Build category buffers for realistic flexibility
- Create tracking systems you'll actually use
- Set up quarterly milestone reviews
Programs run from August through November 2025. We keep groups small because this works better when you can ask questions specific to your situation.
The Process We Follow
Four phases that build on each other. Each takes about three weeks of focused work.
Data Collection
Gather your financial records. Download statements, organize receipts, compile everything from the past year.
Pattern Analysis
Look for trends in your spending. Where does the money actually go each month? What's predictable?
Framework Building
Create your budget structure with categories that match your life. Set realistic targets based on evidence.
System Setup
Put tracking tools in place. Schedule reviews. Establish the routine that keeps everything running.
Investment Options
Choose the level of support that matches where you're starting from. All programs include the core curriculum.
Self-Paced
one-time payment
- Complete video curriculum
- Budget templates and worksheets
- Email support for 6 months
- Access to member forum
- Quarterly update materials
Guided Program
one-time payment
- Everything in Self-Paced
- Weekly group sessions (12 weeks)
- Personal budget review
- Q&A with instructors
- Custom scenario planning
- 12 months forum access
Private Coaching
one-time payment
- Everything in Guided
- Six 1-on-1 coaching sessions
- Custom budget design
- Direct phone access
- Family finances planning
- Lifetime material updates
What Past Participants Say
"I'd tried budgeting apps before but never stuck with them. This program showed me why those weren't working for my situation. Now I have a system that actually matches how I live and spend."
"The quarterly review framework changed everything. I used to panic when unexpected expenses came up. Now I've got buffers built in and a clear process for adjusting without derailing the whole year."
Ready to Build Your 2026 Budget?
Next cohort starts September 2025. Spaces are limited because we keep groups small for better interaction.