Master Your Money Through Every Season
Join our six-month program starting September 2025 and build the skills to adjust your budget naturally as life changes. Real strategies that work when summer spending hits or winter bills pile up.
Enrol for September 2025Budget Skills That Match Your Real Life
Most people set a budget in January and watch it fall apart by March. That's because life doesn't follow a spreadsheet. Your power bill jumps in summer. Christmas shopping arrives whether you're ready or not. School holidays demand more from your wallet.
Our program teaches you to work with these patterns instead of pretending they don't exist. You'll track your actual spending across different months, spot the trends that matter, and build buffer zones where you need them most.
Learn to forecast seasonal expenses before they catch you off guard
Build practical buffer systems that smooth out income fluctuations
Adjust spending categories month by month without starting from scratch
What You'll Actually Learn
Six modules spread across six months, each one building on what came before. We start in September when routines reset, and finish in February when you've handled both holiday season and new year expenses.
Tracking Without Drama
Set up a tracking system that takes five minutes a day. No complicated apps, no perfect categories. Just enough structure to see where your money actually goes.
September 2025 • 4 weeks
Finding Your Patterns
Compare your spending across three months. Spot which costs stay steady and which ones bounce around. This is where most people have their first real breakthrough.
October 2025 • 4 weeks
Building Buffer Zones
Create small savings pockets for expenses you know are coming. Summer cooling costs, winter heating, annual insurance bills. Start small and grow them gradually.
November 2025 • 4 weeks
Holiday Season Reality
Navigate December spending without the January guilt. Balance gifts, gatherings, and travel while keeping your budget breathing room intact.
December 2025 • 4 weeks
Income Variations
Manage months when your income shifts. Casual work, commission changes, or business income that moves around. Build systems that flex with reality.
January 2026 • 4 weeks
Making It Stick
Review your six months of data and set up your ongoing system. By now you know what works for you. We help you refine it into something sustainable.
February 2026 • 4 weeks
Who's Teaching This
Three financial counsellors who've spent years helping Australians get their budgets working properly. No theory-only teaching here.
Freya Lundgren
Lead Instructor
Spent twelve years at a community financial counselling service in Newcastle before starting her own practice. She's seen every budget challenge Australian households face and knows which solutions actually hold up over time. Freya designed this program after watching too many people restart their budgets every few months.
Saoirse Mulvaney
Budget Systems Specialist
Brings background in both accounting and adult education. She developed the tracking system we use after testing seventeen different approaches with real clients. Saoirse handles the first two modules and makes sure everyone gets their foundation right before moving forward.
Thea Blomqvist
Financial Educator
Works mainly with people managing variable income situations. Small business owners, freelancers, casual workers. She teaches modules four and five because those periods need someone who understands unpredictable cash flow. Thea's been running her own consultancy since 2018 and knows the reality of income that changes month to month.