Learn practical budgeting skills through our comprehensive 8-month program. We'll guide you from basic expense tracking to advanced financial planning strategies that actually work in real life.
Start Your Journey
You'll learn to monitor your spending patterns using simple tools that don't require complicated spreadsheets or expensive software.
We focus on setting achievable financial targets based on your actual income and lifestyle, not unrealistic expectations.
Build a safety net that works for your situation – whether you're starting with $50 or $500 in savings.
Develop decision-making skills that help you distinguish between wants and needs without feeling deprived.
Program Director
Margaret has helped over 800 Australians gain control of their finances during her 12 years as a financial educator. She started ulvexorina's budgeting program after noticing how many people struggled with basic money management despite having good incomes.
Each phase builds on the previous one, giving you time to practice and adjust before moving forward. Our next program begins in September 2025.
We'll help you understand where your money actually goes and identify your biggest spending leaks. You'll set up a tracking system that fits your lifestyle.
Build your first working budget and test it in real-world conditions. We'll adjust as needed based on what you discover about your actual spending habits.
Start building your emergency fund while maintaining your budget. Learn strategies for finding extra money without drastically changing your lifestyle.
Master debt management, plan for larger purchases, and develop long-term financial strategies. Graduate with skills to handle your money confidently.
I was living paycheck to paycheck despite earning decent money. The program showed me where my money was disappearing – mostly small purchases I wasn't tracking. Within six months, I had my first proper emergency fund and actually knew where every dollar was going.
Emergency Fund Built
$3,200
Monthly Savings Increase
$420
Program Duration
8 Months
Debt Reduction
$1,850