aniromiheari
We help Australian families move beyond spreadsheets and guilt trips. Our budgeting programs focus on realistic approaches that work with your lifestyle—not against it.
Explore Our Programs
Start with our six-week foundation program. We cover income tracking, expense awareness, and building your first workable budget. Most families find they can identify three to five areas for potential savings by week three.
Between courses, you'll test what you learned in real life. We provide monthly check-in materials and optional peer group sessions. This gap matters—budgeting only works when it survives contact with actual daily spending.
Once you've got the basics working, we dig into debt reduction strategies, savings goal frameworks, and teaching kids about money. This course runs eight weeks and includes case study reviews from real Australian families.
After completing both courses, you'll have access to our resource library and quarterly refresh sessions. Financial situations change—job shifts, kids growing up, unexpected expenses. We're here when those transitions happen.
Forget the advice that assumes everyone can meal prep on Sundays or never buy takeaway. We work with what's actually happening in your household. If Friday pizza is non-negotiable, we plan around it instead of pretending it doesn't exist.
Our initial modules focus on observation before optimization. You'll track spending without judgment for two weeks, then we analyze patterns together. Most families discover their money goes to different places than they assumed.
Everything we teach reflects how money actually works in Australia. We cover Medicare gap fees, school contribution requests, rego timing, and the cost reality of living in regional areas versus cities. These details matter when you're trying to plan three months ahead.
We also address the stuff other courses skip—like how to talk to extended family about money boundaries, or managing finances when one partner is casual and the other's salaried. Real situations need more than template spreadsheets.
We're not promising you'll pay off your mortgage in three years or save fifty grand by skipping coffee. Those claims are rubbish. Instead, we focus on sustainable changes that compound—reviewing subscriptions every six months, understanding your insurance properly, building a buffer that absorbs minor emergencies.
Results vary wildly between families because everyone starts from different places. Some people just need better systems. Others are dealing with structural income issues that budgeting alone can't fix. We're honest about what financial planning can and can't do.
Former bank lending officer who got tired of watching families struggle with cookie-cutter financial advice. Been teaching practical budgeting workshops in Newcastle since 2018. Still drives a 2009 Camry because spending money on cars feels ridiculous.
Next foundation course begins September 15, 2025. We run two intakes yearly—autumn and spring. You'll receive enrollment details about eight weeks before the start date if you register interest.
Our programs work best for families who have income but need better organization. If you're facing serious debt problems or income shortfall, we'll point you toward financial counseling services first—they're free and more appropriate for crisis situations.
Not required, but it helps if you're both on board. We've had plenty of people come solo and make it work. The trickier part is implementing changes at home when only one person understands the system. We provide take-home materials that help with those conversations.
Most families notice they're more aware of spending within three weeks. Actual measurable changes to your financial position usually take three to six months, assuming you're consistently applying what you learned. Quick fixes don't exist with budgeting.
Absolutely not. Half our participants are reasonably organized already—they just want to optimize or prepare for upcoming life changes like having kids or buying property. Being interested in improving your financial systems doesn't mean you're currently failing.
You'll have lifetime access to our materials library and can attend quarterly alumni sessions. We also run an optional peer community where past participants share strategies and troubleshoot challenges. Some people stay connected for years; others complete the program and move on. Both are fine.
Handles the practical stuff—enrollment questions, scheduling conflicts, technical issues with materials. Previously worked in adult education administration. Responds to emails faster than most people, which apparently makes him the organized one on the team.