Build Your Financial Future from the Ground Up
A practical 12-week program for Australians who want to understand money better. No fancy jargon, just real strategies that work in everyday life.
Start Your JourneyLearning that fits into real life
Most of us weren't taught much about money at school. We figure things out as we go, sometimes making expensive mistakes along the way. This program is different.
You'll spend three months learning practical budgeting skills that actually make sense. Classes run Tuesday evenings from 6:30 to 8:00 PM, starting September 16, 2025. Come in person at our Port Macquarie location or join online from anywhere in Australia.
Between sessions, you'll work on your own budget with real numbers. Some weeks you'll breeze through. Others might challenge you. That's normal, and we're here to help when you get stuck.
Weeks of focused learning and practice
Hours of instructor-led sessions
People per class for personal attention
PM start time that works around your schedule
What You'll Actually Learn
Four modules that build on each other. By the end, you'll have a complete budget system that works for your situation.
Understanding Where Your Money Goes
Most people have no idea what they really spend each month. We'll track everything for two weeks and look at the patterns. It's eye-opening, sometimes uncomfortable, but always useful.
Creating a Budget That Doesn't Feel Like Punishment
Budgets fail when they're too restrictive. You'll design one that covers essentials, includes things you enjoy, and leaves room for unexpected expenses. Because life happens.
Dealing with Debt Without Losing Your Mind
Credit cards, car loans, HECS debt. We'll map out what you owe and create a realistic payoff strategy. Plus how to avoid taking on more debt just to keep up appearances.
Building Financial Confidence for the Long Run
The final three weeks focus on maintaining what you've built. How to adjust when income changes, handle unexpected costs, and keep your budget alive past the course end date.
Who's Teaching This
Two people who've been helping Australians sort out their finances for years. They've seen every budget disaster imaginable and know how to fix most of them.
Callum Whitmore
Lead Budget InstructorSpent fifteen years as a financial counsellor before starting to teach. He's good at explaining complicated stuff in plain English, which matters when you're learning about money. Previously worked with community services helping families rebuild after financial setbacks.
Desmond Vaughan
Practical Finance CoachComes from an accounting background but decided he preferred teaching people over crunching numbers all day. He handles the one-on-one budget reviews and answers questions during practice sessions. Known for being patient when students get stuck on the same problem twice.
Choose What Works for You
Three options depending on how much support you want. All include the same core curriculum.
Self-Paced
- All course materials and worksheets
- Recorded video lessons to watch anytime
- Access to online discussion forum
- Budget templates and tools
- 12 months access to materials
Live Online
- Everything in Self-Paced
- Join live Tuesday evening sessions via video
- Ask questions during class
- Two personal budget review sessions
- Weekly progress check-ins
- Certificate of completion
In-Person
- Everything in Live Online
- Attend classes in Port Macquarie
- Face-to-face instruction and support
- Four personal budget review sessions
- Tea and coffee provided
- Small group networking
Payment plans split the cost across three months with no extra fees. September intake begins Tuesday, September 16, 2025. Class size is capped at 15 people to keep things manageable.
Not sure which option suits you? Ring us at +61398539553 or send an email to help@moravelynto.com and we'll talk through what makes sense for your situation.
What Happens After You Sign Up
You'll receive your welcome pack within two business days. It includes a pre-course questionnaire about your current financial situation and access to our online portal.
One week before the first session, you'll get your course workbook and the first assignment: tracking your spending for seven days. Sounds tedious but it's essential for what comes later.
- Access course materials immediately after enrollment
- Complete pre-course financial self-assessment
- Join private online group for your cohort
- Download budget tracking tools and templates
- Schedule your first one-on-one review session