Start by mapping where your money actually goes. We'll look at your bank statements together and spot patterns you might not have noticed. No judgement – just honest conversations about spending habits.

Forget complicated spreadsheets. You'll build a simple budget that reflects your actual life. We'll account for those irregular expenses that always seem to catch people off guard – car registration, birthday gifts, that annual subscription you forgot about.

This is where it gets interesting. Learn how to discuss budgets with your partner, housemates, or kids without starting an argument. We practice real conversations using scenarios from actual participants.

Budgets need to bend. We'll work through how to handle unexpected expenses, income changes, and those moments when everything seems to hit at once. You'll develop your own system for making quick decisions under pressure.