Building Financial Skills That Actually Work
Our budget preparation program runs from September 2025 through March 2026. We're working with small business owners and household managers across regional New South Wales who want practical skills without the corporate jargon. This isn't about complex theory—it's about understanding where your money goes and making better choices with it.
Ask About September Start
What We Focus On
Most budget courses throw spreadsheet formulas at you and call it education. We take a different approach. Over six months, we work through real scenarios from actual businesses in Coffs Harbour and surrounding areas.
Our participants bring their own financial challenges to sessions. Sometimes it's tracking seasonal income variations for tourism businesses. Other times it's managing household expenses when work is inconsistent. We solve real problems, not textbook examples.
- Creating budgets that handle income fluctuations realistically
- Tracking business expenses without complicated software
- Understanding cash flow patterns for service businesses
- Building emergency reserves that actually get funded
- Making decisions when budgets don't balance perfectly
I'd been mixing personal and business money for three years. The program helped me separate things properly and see which services actually made money. Not revolutionary stuff, just organized finally.
Oskar Lindqvist
Landscape Maintenance
The weekly sessions gave me accountability I needed. We covered expense tracking one month, then spent the next month actually doing it with our real numbers. Practical beats theoretical every time.
Brenna Callahan
Freelance Content Writer
Learning to project cash flow six weeks ahead changed how we schedule jobs. Simple technique, big impact. Wish I'd learned it years ago instead of always scrambling at month-end.
Darian Kovacevic
Home Renovation Contractor
How The Program Works
We meet Tuesday evenings from 6:30 to 8:00 PM at our Harbour Drive location. Sessions run weekly from early September through mid-March, with a break over Christmas holidays.
Assessment Phase
First two weeks we review your current financial tracking. Most people discover they're not capturing all expenses—totally normal starting point.
Building Systems
Months two and three focus on creating tracking systems that actually fit your workflow. We adjust approaches until you find something sustainable.
Working With Real Data
From October through February, you bring real numbers each week. We troubleshoot problems as they happen, not after the fact.
Building Consistency
Final month focuses on maintaining habits without weekly sessions. Preparing you to continue independently after March.
