Budget Preparation That Actually Works in Real Life
Learn practical methods from someone who's been tracking household and business finances for over a decade.
Most budget courses give you spreadsheets and theory. We'll walk through actual situations I've encountered—the unexpected car repairs, the business cash flow gaps, the months when everything costs more than you planned.
Start Your Journey
Each focused on specific budget scenarios you'll actually face
Self-paced learning starting October 2025
Not hypothetical scenarios—actual budget situations
What Makes This Different
I'm not going to pretend budgeting is exciting. But it doesn't have to be the frustrating mess that most people experience.
Start With What You Have
We'll work with your actual income patterns—whether that's salary, freelance income, or something irregular. No perfect scenarios here.
Build Categories That Make Sense
Forget those budget templates with 47 categories. You'll create a system that matches how you actually spend money.
Plan for the Unpredictable
Because something always comes up. We'll look at real examples of how to handle those months when everything breaks at once.
Adjust Without Starting Over
Your first budget won't be perfect. Neither will your tenth. You'll learn how to modify things without abandoning the whole system.
Real Situations We'll Work Through
These aren't made-up examples. They're situations I've dealt with myself or helped others navigate.
When Income Varies Every Month
Freelancers and contractors have different challenges than salaried employees. We'll build a system that works when you can't predict next month's income.
Small Business Cash Flow
Personal budgets and business budgets aren't the same thing. We'll look at separating expenses, timing payments, and planning for slow periods.
Learning from Actual Mistakes and Successes
I started tracking my finances properly in 2013 after a particularly rough year where I had no idea where my money was going. Since then, I've refined the process through trial and error—plenty of both.
This course includes things that worked well and things that completely failed. You'll get to skip the parts where I wasted time on overcomplicated systems that nobody actually uses.
Learn More About Our Approach
I'd tried four different budgeting apps and three spreadsheet systems before this course. What helped most was seeing how someone else dealt with irregular expenses—things like annual insurance payments or quarterly tax bills. Finally have a system that lasts longer than two months.
Callum runs a small landscaping business in western Sydney and needed a budget system that could handle seasonal income variations and equipment maintenance costs.