Build Financial Habits That Actually Stick
Six months of practical guidance, real conversations, and habits you'll still be using years from now. We're not promising magic — just a better relationship with money.
What We're Really Doing Here
Most financial education focuses on theory. We're more interested in what happens when you're staring at your bank account on a Tuesday afternoon, wondering where it all went.
The program runs for six months because that's how long it takes to build genuine habits. Not just understanding concepts, but actually changing how you think about spending, saving, and planning.
You'll work with others facing similar challenges. That part matters more than people expect — there's something about realizing you're not the only one who's confused by superannuation that makes the whole thing less intimidating.
How Six Months Actually Unfolds
Each phase builds on what came before. And yeah, some weeks will feel harder than others.
Getting Real About Where You Are
We start by mapping your actual financial life. Not the idealized version, but what's really happening. Where money comes from, where it goes, and why certain patterns keep repeating.
This phase includes weekly sessions and practical tracking exercises. Most people find at least three surprises in their spending patterns within the first month.
Building Your Personal System
Now we create habits that fit your life. Some people need strict budgets. Others work better with automated systems and rough guidelines. There's no universal answer, which is why generic advice often fails.
You'll experiment with different approaches, keep what works, and adjust what doesn't. This is where small changes start compounding into noticeable differences.
Making It Last Beyond June
The final phase focuses on sustainability. What happens when life throws you a curve ball? How do you maintain habits during busy periods or unexpected expenses?
We'll also address longer-term thinking — retirement planning, investment basics, and how to keep learning after the program ends. By this point, you'll have the foundation to make informed decisions on your own.
What Changed for Isla
Before Starting
Isla earned decent money as a physio in Brisbane, but somehow never had savings. Every month felt like starting from zero. She'd tried budgeting apps, spreadsheets, even the envelope method. Nothing stuck longer than a few weeks.
The Breakthrough
Three months in, she realized her problem wasn't discipline — it was timing. Her irregular income from private clients made weekly budgets impossible. Once we restructured her system around monthly averages and built in flexibility for lean weeks, everything shifted.
Eight Months Later
Isla now maintains a three-month emergency fund and contributes regularly to super. More importantly, she stopped feeling anxious every time she checked her account. The habits became automatic, not something she has to constantly think about.
Next Intake Opens in June 2026
We keep groups small — usually 12-15 people — so there's actual discussion rather than lectures. Sessions run fortnightly in Tweed Heads, with online options for those who need flexibility.
Register Your InterestRegistration opens in March. We'll send details about program structure, session times, and what to expect.