Budget Mastery Program

A structured learning path that teaches practical budgeting skills through real scenarios and hands-on exercises. You'll build confidence managing your finances, one module at a time.

Next Cohort: September 2025

Your Learning Journey

Six modules designed to build your budgeting skills progressively. Each module tackles specific challenges you'll face when managing personal or household finances.

1

Foundation Concepts

2 weeks
  • Understanding income and expense patterns
  • Tracking methods that actually work
  • Setting achievable financial boundaries
  • Common mistakes and how to avoid them
2

Category Planning

3 weeks
  • Breaking down expenses into workable groups
  • Allocating funds based on priorities
  • Adjusting categories as life changes
  • Creating buffer zones for flexibility
3

Tracking Systems

2 weeks
  • Choosing tools that match your habits
  • Daily and weekly review routines
  • Spotting trends before they become problems
  • Keeping records simple and sustainable
4

Decision Making

3 weeks
  • Evaluating spending choices in real time
  • Balancing wants and needs honestly
  • Handling unexpected expenses calmly
  • Making trade-offs that align with values
5

Adjustment Strategies

2 weeks
  • Responding when budgets don't match reality
  • Course correction without abandoning plans
  • Seasonal and irregular expense planning
  • Building resilience into your system
6

Long-Term Planning

3 weeks
  • Setting realistic future goals
  • Creating savings strategies that stick
  • Preparing for larger purchases
  • Maintaining habits after the program ends

Learn From Experienced Guides

Our instructors have spent years helping people understand budgeting in practical terms. They've seen what works and what doesn't, and they share that knowledge honestly.

Davor Anić, Lead Budget Instructor

Davor Anić

Lead Budget Instructor

Twelve years of helping individuals build budgeting systems. Previously worked with credit counseling organizations and now focuses on education.

Lilja Nieminen, Financial Skills Coach

Lilja Nieminen

Financial Skills Coach

Specializes in behavior change and habit formation around money. Brings a psychology background to financial education work.

Our Teaching Approach

  • Small group sessions with 12-15 participants maximum
  • Weekly exercises based on your actual financial situation
  • Individual feedback on your budgeting attempts
  • Q&A sessions addressing real questions from participants
  • Resource library with templates and reference materials
  • Optional one-on-one sessions for personalized guidance

Common Struggles We Address

Most people face similar obstacles when learning to budget. Here's how we help you work through them.

1

Starting Feels Overwhelming

Looking at all your finances at once can be paralyzing. Many people get stuck before they even begin tracking anything.

How We Help
  • Start with just one category in week one
  • Use simplified tracking sheets before introducing tools
  • Build complexity gradually as comfort increases
  • Focus on progress, not perfection from day one
2

Inconsistent Tracking Habits

Starting strong but falling off after a few weeks is incredibly common. Life gets busy and tracking falls by the wayside.

How We Help
  • Build in accountability through weekly check-ins
  • Teach quick-capture methods that take under five minutes
  • Address motivation drops with practical strategies
  • Create reminder systems tailored to your routine
3

Unrealistic Budget Expectations

Setting budgets that look good on paper but ignore how you actually live leads to frustration and abandonment.

How We Help
  • Review past spending patterns before setting limits
  • Include buffer amounts for variable expenses
  • Adjust targets based on what's actually happening
  • Teach the difference between aspirational and functional budgets
4

Handling Unexpected Costs

When surprise expenses appear, people often feel their budget has failed completely and give up on the whole system.

How We Help
  • Build emergency categories into initial planning
  • Practice reallocation exercises with hypothetical scenarios
  • Create decision frameworks for when to adjust vs. absorb
  • Normalize that budgets flex—they're living documents
5

Partner or Family Coordination

Getting everyone on the same page about money can create tension. Different spending styles clash and communication breaks down.

How We Help
  • Provide conversation frameworks for money discussions
  • Teach compromise strategies that respect different approaches
  • Create shared visibility without micromanaging each other
  • Address common household budget conflicts directly
6

Maintaining Long-Term Momentum

After initial progress, many people plateau or drift away from their budgeting practice once the newness wears off.

How We Help
  • Establish milestone reviews to see accumulated progress
  • Introduce advanced techniques once basics are solid
  • Connect with program alumni for ongoing support
  • Teach periodic system audits to keep methods current
Budget planning workshop session with participants working on financial exercises

What Program Participation Looks Like

This isn't passive video watching. You'll actively work on your budget throughout the program with support from instructors and fellow participants.

Each week includes a 90-minute live session plus independent work on your own finances. You'll receive feedback on what you're building and guidance when you get stuck.

  • 15 weeks of structured curriculum with clear milestones
  • Weekly live sessions every Thursday evening (Taiwan time)
  • Access to recorded sessions if you miss a week
  • Private discussion forum for questions between sessions
  • Downloadable templates and worksheets for each module
  • Certificate of completion after finishing all modules

The September 2025 cohort has 18 spots available. If you're interested in joining, reach out through our contact page to learn about registration timing and program investment.

Get Program Details