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brivaraosent

Master Personal Finance in 12 Months

Join our comprehensive budget optimization program starting September 2025. Learn practical money management skills from experienced financial educators who've helped thousands of Australians take control of their finances.

Reserve Your Spot
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What You'll Actually Learn

Our program focuses on real-world application rather than theory alone. Each month builds on practical skills you can start using immediately. We've structured everything around common financial challenges Australians face.

Emergency Fund Building

Create a safety net without sacrificing your current lifestyle. Learn the gradual approach that actually works.

Debt Strategy Planning

Compare avalanche vs snowball methods using your actual debts. Find what motivates you personally.

Smart Shopping Systems

Reduce grocery and household expenses by 20-30% without extreme couponing or time-consuming tactics.

Investment Basics

Understand ETFs, managed funds, and property investment from an Australian perspective with realistic expectations.

September 2025 Start

12 months of guided learning with monthly group sessions and individual progress tracking. Classes held Wednesday evenings 7-9 PM AEST.

Get Details
Sarah Chen, certified financial planner and program lead instructor

Rachel Thornbury

Lead Financial Educator

Former bank manager with 15 years helping families navigate financial planning. Holds Advanced Diploma in Financial Services and specializes in practical budget optimization strategies.

Your Learning Journey

Each phase builds practical skills through hands-on exercises with your actual finances. We work with real numbers, not hypothetical examples.

1

Foundation (Months 1-3)

Start with where you are right now. We'll map your current spending patterns and identify quick wins that free up money without major lifestyle changes.

  • Expense tracking that doesn't take forever
  • Finding hidden money drains
  • Setting up automatic systems
  • Emergency fund starter strategy
2

Optimization (Months 4-8)

Now we dig deeper into major expense categories. Learn negotiation techniques for utilities, insurance, and services. Master the psychology of spending decisions.

  • Home loan refinancing evaluation
  • Insurance review and comparison
  • Meal planning for budget wins
  • Side income exploration
3

Growth Planning (Months 9-12)

With your foundation solid, we explore investment options suitable for your situation. Understand superannuation optimization and property investment basics.

  • Investment platform comparison
  • Tax-effective investing strategies
  • Superannuation contribution planning
  • Long-term goal setting

Ready to Take Control?

Our next cohort begins in September 2025 with just 24 participants. This small group size means personalized attention and real accountability throughout your journey.

  • Monthly group workshops plus individual check-ins
  • Access to budgeting tools and calculators
  • Private online community for ongoing support
  • Course materials and workbooks included
Apply for September 2025
Financial planning workshop materials and budget optimization tools spread on desk
89% of graduates report improved financial confidence