Most budgets fail because they're built on hope rather than data. We teach you how to create forecasts that actually reflect reality—so you can plan with confidence instead of crossing your fingers every month.
Explore Our Programs
Every month, thousands of Australians face the same frustrations with their budgets. Here's what usually goes wrong—and what we do about it.
You set aside $400 for groceries, but somehow you're always over or under. That's because traditional budgeting ignores seasonal patterns and life changes.
→ Learn variable expense modelingFreelancers, contractors, and small business owners get stuck with budgeting advice designed for salaried employees. It doesn't work when your income changes every month.
→ Master rolling average techniquesCar registration, insurance renewals, holiday shopping—they happen every year, yet somehow they still catch you off guard. That's poor forecasting, not bad luck.
→ Build anticipatory buffersMost people check their bank balance and hope there's enough left. But without cash flow visibility, you're making financial decisions based on outdated information.
→ Create real-time tracking systemsWe don't teach you to cut out coffee. And we won't make you track every single purchase for the rest of your life.
Instead, you'll learn the forecasting frameworks that financial analysts actually use—adapted for personal and small business budgets. It's about building systems that give you clarity, not spreadsheets that become another chore.
Our September 2025 cohort focuses specifically on Australian tax structures, superannuation planning, and the quirks of managing money across financial years that don't match calendar years.
You'll analyze your actual spending patterns from the past year. Not to judge yourself—to understand the real numbers. Most people discover their mental estimates are off by 30% or more.
Here's where you learn the models. Trend analysis, seasonal adjustments, scenario planning. These aren't complicated once you see how they work with your actual data.
You'll build your first 90-day forecast and test it against reality. The goal isn't perfection—it's creating a system that gets more accurate over time as you refine your assumptions.
Most participants spend 3-4 hours weekly during the 12-week program. The work happens on your schedule, not ours.
These aren't promises—they're patterns we've observed in participants who complete the full program.
When you can see three months ahead with reasonable accuracy, the constant worry about money subsides. Not because you have more—because you know what's coming.
It takes about two months for most people to trust their forecasts enough to make bigger decisions. That's when the real benefit kicks in.
Once your system is running, you'll spend roughly 15 minutes per week keeping it updated. Much less time than worrying about money used to take.
I run a small consulting practice, and my income varies wildly. Before this course, I was constantly stressed about whether I could cover upcoming expenses. Now I have a rolling 90-day forecast that adjusts as new invoices come in. It's not magic—it's just good data habits.
— Imogen Thwaites, Canberra
My partner and I were making decent money but somehow never had enough saved. Turns out we were underestimating irregular expenses by about $8,000 per year. Once we built those into our forecast properly, everything clicked into place.
— Reuben Glendenning, Sydney
We run cohorts three times per year to keep group sizes manageable. The autumn program opens for enrollment in August, with classes beginning mid-October.