Budget Management Training
Learning to manage your money shouldn't feel like decoding ancient texts. Our program breaks down expense tracking into practical skills you can start using immediately—whether you're juggling family finances or running a small business in regional Australia.
We built this course after watching too many people struggle with complicated budgeting systems that nobody actually uses. Real money management is simpler than you think, but it requires some foundational understanding and consistent practice.
Classes begin in September 2025, running over twelve weeks with a blend of evening workshops and online content. It's designed for people who are working full-time but want to finally get their finances sorted.
What You'll Actually Learn
Understanding Your Cash Flow
Before you can budget, you need to know where your money goes. We start by tracking real spending patterns—not guessing or estimating.
- Setting up tracking systems that actually work
- Identifying spending categories that matter
- Finding hidden expenses most people miss
- Building a baseline for your budget
Building a Functional Budget
A budget isn't about restriction—it's about making deliberate choices with your money so you can fund what matters to you.
- Creating categories that reflect your life
- Setting realistic limits you can maintain
- Building in flexibility for unexpected costs
- Balancing fixed and variable expenses
Dealing With Irregular Income
If your income varies month to month, traditional budgeting advice often falls apart. We'll work through strategies that accommodate fluctuation.
- Calculating your baseline needs
- Creating buffers for lean months
- Prioritizing expenses during low income periods
- Planning for seasonal variations
Emergency Planning
Things break. People get sick. Cars need repairs. Having a plan for emergencies keeps small problems from becoming financial disasters.
- Determining your emergency fund target
- Building savings gradually and sustainably
- Knowing when to use emergency funds
- Rebuilding after unexpected expenses
Adjusting and Maintaining
Your budget needs to evolve as your life changes. We'll cover how to review and adjust your spending plan over time.
- Monthly review processes that take minutes
- Identifying when categories need adjusting
- Handling major life changes financially
- Staying consistent without obsessing
Digital Tools and Systems
We'll explore various budgeting tools and help you find what works for your situation—whether that's an app or a simple spreadsheet.
- Evaluating different tracking methods
- Setting up automated systems where helpful
- Maintaining security with financial apps
- Creating backups and redundancy
Your Instructors
Bjorn Lindqvist
Financial Planning Instructor
Bjorn spent fifteen years helping families in rural New South Wales sort out their finances. He's good at explaining complicated concepts without the jargon, and his examples come from real situations he's encountered.
Tadeo Moreira
Personal Finance Coach
After managing finances for small businesses across regional Australia, Tadeo switched to teaching practical budgeting. He focuses on systems that people can actually maintain long-term rather than complicated solutions that get abandoned.
Callum Driscoll
Budgeting Specialist
Callum works with people dealing with irregular income—freelancers, contractors, seasonal workers. He understands the challenges of budgeting when your paycheck changes every month and teaches strategies that accommodate that reality.
Vesna Horvath
Financial Systems Coordinator
Vesna handles the technical side—helping students set up digital tracking systems and automation where it makes sense. She's practical about technology, recognizing that simple tools often work better than elaborate ones.
Program Details
The twelve-week course meets Tuesday evenings from 6:30 to 8:30 PM at our Tamworth location, with supplementary online materials available throughout the week. You'll need about three hours weekly for coursework outside of class time.
Start Date: September 9, 2025
Duration: Twelve weeks (24 contact hours plus online content)
Format: Evening workshops with practical exercises
Cost: 680 AUD (includes all materials and digital resources)
We keep class sizes under twenty people so everyone gets individual attention during the practical sessions. If you're dealing with specific financial situations that need extra guidance, instructors are available for brief consultations after class.
Enrollment opens in July 2025. Contact us if you have questions about whether this program suits your situation.
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