Build Financial Clarity Through Annual Planning
Most people struggle with budgeting because they treat it like a monthly chore instead of an annual strategy. Our approach helps you see the full picture—where your money actually goes over twelve months, not just what happens this week.
Explore the Program
Why Annual Budgets Work Better Than Monthly Ones
Here's something that surprised me when I first learned it: trying to budget month by month is like navigating with a map that only shows one street at a time. You miss the patterns.
Annual budgeting lets you account for the irregular expenses that wreck monthly plans. Car registration in March. Holiday spending in December. That insurance payment you forgot about. When you plan for the whole year, these stop being surprises.
Our program starts in September 2025 and runs through early 2026. You'll learn to track actual spending patterns, identify where money disappears, and build a realistic framework that accounts for your real life—not some idealized version of it.
What You Actually Learn
- How to map out all twelve months before the year starts
- Techniques for handling variable income without panic
- Ways to build buffers for unexpected costs
- Systems that take less than two hours monthly to maintain
How the Learning Works
We've structured this around how people actually absorb financial concepts—not how textbooks think they should.
Foundation Phase
You start by tracking what you're already doing. No judgment, just data. Most participants discover they're spending 20-30% differently than they thought.
We provide simple tracking templates that work with whatever system you prefer—spreadsheets, apps, even paper if that's your style.
Planning Phase
This is where you build your actual annual budget. We walk through every category, seasonal variation, and irregular expense.
You'll learn to spot the difference between wants and needs without feeling deprived. And how to allocate money for things six months away.
Adjustment Period
No budget survives contact with reality unchanged. The final phase teaches you to adapt without abandoning the whole system.
We cover how to handle income changes, unexpected expenses, and life transitions while keeping your annual plan intact.
Real Scenarios We Work Through
Theory is fine, but you need to see how this works with actual numbers. Throughout the program, we use real case studies from Australian households.
One example that resonates with a lot of participants: a family with two incomes, childcare costs, and a mortgage. They were constantly surprised by school expenses, birthday parties, and car maintenance. Their monthly budget looked fine on paper but failed every few weeks.
By switching to annual planning, they could see the full cost of having school-age kids spread across twelve months. That changed everything about how they allocated income.
Lachlan Kerrigan
I've been teaching budgeting workshops since 2019, and the biggest shift I've seen is when people stop fighting their monthly shortfalls and start planning for the full year. That's when things click.
Join the September 2025 Cohort
We're accepting enrolments now for our autumn intake. Classes begin September 15, 2025, and run for twelve weeks with ongoing support through December.
This isn't about becoming a financial expert overnight. It's about building a system that actually works for your situation and doesn't require a finance degree to maintain.
Program Duration
Twelve weeks of structured learning from September through early December 2025, with flexible online access and optional in-person workshops.
Time Commitment
Approximately three hours weekly during the program, then less than two hours monthly once your system is established and running.