Master Long-Term Budgeting Through Real Practice

Eight months of hands-on learning starting September 2025. We've spent years working with families and businesses across NSW who struggled with the same budgeting challenges. This program shares what actually works when planning years ahead instead of months.

Students working on budget planning exercises with calculators and spreadsheets

Build Budgets That Last Beyond Next Month

Most budgeting courses focus on tracking daily expenses. That's useful, but it doesn't help when you're trying to plan a house deposit, business expansion, or five-year family goals. We focus on the longer view because that's where real financial stability comes from.

Foundation Phase (Weeks 1-8)

Understanding your current patterns before planning ahead. We look at income cycles, irregular expenses, and the gaps most people miss when they're only thinking month-to-month.

Planning Phase (Weeks 9-18)

Creating flexible frameworks that adapt to life changes. You'll work on real scenarios like career transitions, housing decisions, and family planning with actual numbers and timelines.

Implementation Phase (Weeks 19-32)

Testing your budget against real situations. This is where theory meets practice, and you'll adjust your plans based on what happens rather than what you hoped would happen.

Learn From People Who've Done This

Both instructors have spent over a decade helping Australian families and small businesses build budgets that actually hold up over time. They've seen what breaks down and what keeps working.

Portrait of Sienna Marlowe, financial planning instructor

Sienna Marlowe

Lead Instructor - Strategic Planning

Sienna worked in regional banking for thirteen years before switching to education. She noticed most budget advice assumed steady income and simple goals. Her approach accounts for irregular pay, changing circumstances, and multiple competing priorities.

Portrait of Briony Keswick, practical budgeting instructor

Briony Keswick

Instructor - Applied Frameworks

After running her own bookkeeping practice for eight years, Briony saw patterns in which clients succeeded with long-term planning and which struggled. She focuses on systems that work when life doesn't go according to plan.

32 Weeks Starting September 2025

Classes run Tuesday and Thursday evenings from 6:30-8:30 PM AEST. Each session combines instruction with practical exercises using your own financial situations. You'll leave each class with specific tasks to complete before the next meeting.

The program includes access to our online workspace where you can work through examples, ask questions between sessions, and review recorded content if you miss a class.

Calendar and planning materials showing long-term budget timeline
01

Assessment Period

September - October 2025

Understanding where your money actually goes over time. We track patterns across different timeframes and identify the gaps that short-term budgets miss completely.

02

Framework Building

November 2025 - January 2026

Creating flexible plans that account for income variations, irregular expenses, and competing goals. This phase involves lots of scenario planning with real numbers.

03

Real-World Testing

February - April 2026

Implementing your budget while life continues happening. You'll adjust plans based on actual results, unexpected changes, and the realities that emerge during execution.