kairothuneon

Financial Education Services · Castle Hill, NSW

Build Financial Confidence Through Structured Learning

Our program helps you understand budget calendar planning from the ground up. No jargon, no confusion—just straightforward guidance from people who've been doing this work for years and know what actually works in Australian households.

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Learn From People Who've Walked This Path

Our instructors aren't reading from textbooks. They've sorted out their own finances, helped family members through tight spots, and worked with hundreds of Australians building better budget systems.

Ingrid Kjellberg teaching budget fundamentals

Ingrid Kjellberg

Specialises in calendar systems that actually fit into busy lives. She's great at breaking down complex financial patterns into manageable weekly chunks.

Siobhan O'Driscoll explaining income tracking

Siobhan O'Driscoll

Works with irregular income earners—freelancers, contractors, anyone whose paycheques vary. She understands the stress that comes with unpredictable cash flow.

Petra Lindstrom discussing expense categories

Petra Lindstrom

Focuses on expense categorisation and tracking methods that don't require spreadsheet wizardry. She's all about keeping things simple enough to stick with.

Aoife MacCarthy reviewing savings strategies

Aoife MacCarthy

Teaches the practical side of building savings buffers when money's already tight. Her approach is realistic—no judgement, just strategies that have worked for real people.

Budget calendar planning session with participants reviewing their monthly schedules

How We Actually Teach This Stuff

We don't do lectures where you sit for three hours taking notes. Our sessions are interactive—you bring your actual financial situation, we work through it together. Most people find this way more helpful than generic advice.

The program runs over twelve weeks because real change takes time. You can't rebuild financial habits in a weekend workshop. We meet every week, you try things out, come back with questions, adjust what's not working.

  • Weekly sessions focusing on one specific aspect at a time
  • Work with your real numbers and actual income patterns
  • Small groups so everyone gets individual attention
  • Access to resources and templates between sessions
  • Follow-up support after the program wraps up

What You'll Cover Over Twelve Weeks

Each session builds on the previous one, but we keep things flexible. If your group needs extra time on income tracking, we adjust. This is about helping you understand your finances, not rushing through a checklist.

Weeks 1-3: Understanding Your Current Situation

We start by mapping where your money actually goes. Most people are surprised when they see the real numbers. This foundation matters because you can't plan forward without knowing your starting point.

Weeks 4-6: Building Your Calendar System

Here's where we create your budget calendar. You'll learn to plot income dates, bill due dates, and discretionary spending windows. It's about timing money movement, not just tracking totals.

Weeks 7-9: Handling Variables and Surprises

Life throws curveballs. Your car needs repairs, or you forget about annual insurance. We work on building buffers and adjusting your calendar when unexpected expenses hit.

Weeks 10-12: Making It Stick Long-Term

The final weeks focus on maintenance. How do you keep this system working when motivation fades? We cover review routines, adjustment strategies, and what to do when life changes mess up your plan.

Next Program Starts September 2025

We're taking enrolments now for our autumn intake. Spots are limited because we keep groups small—usually eight to ten people per session. If you're interested, reach out and we'll send through all the details about schedule, location, and what to expect.