Financial Clarity Through Real Experience

Our expense categorization program grew from years of watching Australian households struggle with spreadsheets that never quite worked. We built something different—practical training rooted in actual money management challenges.

Next cohort opens September 2025

Why We Created This

Back in 2022, I was helping a mate organize his business expenses. He'd been using a chaotic mix of receipts, bank statements, and sticky notes. Three hours in, we realized the real problem wasn't his system—it was that nobody had shown him a practical way to think about money categories.

That conversation shaped our entire approach. We don't teach textbook theory. Instead, participants work through scenarios based on real Australian households—mortgage stress in Albury, side hustle tracking for gig workers, family budgets that actually account for kids' activities.

Our program runs over eight months because financial habits take time to develop. Quick fixes don't work when you're rewiring how you think about spending.

Expense tracking materials and documents spread on desk

What You'll Actually Learn

Category Frameworks

Build your own classification system that matches how you actually spend. We start with standard categories, then you adapt them. Some participants end up with 12 categories, others need 30. Both work.

Pattern Recognition

Learn to spot trends in your spending data. Where's the money actually going? We use three months of your real transactions to find patterns you probably haven't noticed.

Decision Making

Turn organized data into useful choices. Should you adjust your grocery budget? Is that subscription still worth it? You'll develop a framework for financial decisions grounded in actual numbers.

Stories From Participants

Caspian Threlfall

Completed March 2025

"I wasn't expecting the mental shift. I'd always tracked expenses, but never really understood what the numbers meant."

Caspian joined our autumn 2024 cohort after his accountant suggested better expense organization. He was already using tracking software but felt lost in his own data.

The breakthrough came in week five when we worked through variable vs. fixed expenses. Turns out he was categorizing his gym membership as variable—treating it like an occasional expense rather than a committed cost. That one shift changed how he viewed about 0 monthly in spending.

Three months after finishing, Caspian reports clearer financial decisions and less end-of-month confusion about where his money went. He's not spending dramatically less—just understanding more.

Different Starting Points

Bexley Mortensen

Bexley started with literally zero system—just a pile of receipts and growing anxiety. She'd recently started freelancing and couldn't separate business from personal spending. We spent the first month just establishing basic categories. By month four, she had a functioning system that let her file quarterly BAS statements without panic.

Her biggest win wasn't perfect categorization—it was developing the habit of checking her tracking system weekly instead of avoiding it.

Program Details

Our next program starts September 2025 with spots for 24 participants. Eight months of structured learning, monthly check-ins, and access to our framework materials. We work with your real financial data, so come prepared to be honest about your spending habits.

Get Program Information