Financial Discipline Program
Building sustainable money habits doesn't happen overnight. Our year-long program walks you through the foundations of personal finance, from tracking daily expenses to understanding investment basics. We've designed this for people who know they should be better with money but aren't sure where to start.
What You'll Actually Learn
Each module builds on the previous one. You'll spend about three hours per week on coursework, but the real work happens when you apply these concepts to your own finances. We've kept theory to a minimum because most people learn better by doing.
Money Awareness Basics
Track where your money goes for 30 days. Set up a simple system that doesn't require hours of data entry. Most participants find at least three expenses they'd forgotten about.
Building Your Budget Framework
Create a budget that matches your actual life, not some ideal version. We'll show you how to plan for irregular expenses and handle months when income varies.
Debt Management Strategies
Understand the real cost of different debts. Learn which to tackle first and how to negotiate better terms. We cover credit cards, personal loans, and home loans specific to Australian financial systems.
Emergency Funds and Safety Nets
Build a buffer between you and financial stress. Calculate how much you need based on your situation, then create a realistic plan to get there over six to twelve months.
Superannuation and Tax Planning
Make sense of your super statements and understand how small changes now can affect your retirement. Learn basic tax strategies that might save you money without requiring an accountant.
Investment Fundamentals
Introduction to shares, ETFs, and property investment. We focus on understanding risk and matching investments to your goals rather than chasing quick returns.
Your Teaching Team
Four financial professionals who've spent years helping Australians improve their relationship with money. They teach from experience, not textbooks.
Marcus Chen
Budget & Tracking Specialist
Fifteen years helping families create budgets they actually stick to. Focuses on practical systems over complicated spreadsheets.
Fiona Garrett
Debt Strategy Advisor
Former credit counsellor who's negotiated with every major Australian lender. Teaches realistic debt reduction without requiring extreme lifestyle changes.
Riley Thompson
Super & Tax Educator
Makes superannuation understandable. Spent a decade in fund management before switching to education. Answers questions in plain language.
Jasmine Wu
Investment Fundamentals
Introduces beginners to investing without overwhelming them. Believes in starting small and learning gradually rather than taking big risks early.
Program Timeline
Our next cohort begins in September 2025 and runs through August 2026. Each module lasts eight weeks, with two weeks between modules for consolidation and practice.
Program Orientation & Money Awareness
Get familiar with the learning platform and start your first tracking assignment. Week one covers setup, weeks two through eight focus on developing awareness of spending patterns.
Budget Framework Development
Build your personal budget system using the data from module one. Learn to adjust for irregular income and unexpected expenses.
Debt Management Intensive
Analyse your current debt situation and create a reduction plan. This module includes optional one-on-one sessions for complex debt situations.
Emergency Fund Building
Calculate your target emergency fund and set up automated savings. Learn where to keep emergency money and when to use it.
Super and Tax Essentials
Review your super performance, understand fees, and explore contribution strategies. Basic tax planning to keep more of what you earn.
Investment Introduction
Final module covers investment basics once you've built solid financial foundations. Learn to evaluate opportunities and understand your risk tolerance.
Two hours of video content and readings, one hour for assignments. Plus optional weekly discussion groups if you want peer support.