Budget Strategy Mastery Program

Learn to build financial systems that actually work for your life. We focus on sustainable habits, not quick fixes or miracle solutions.

Duration:16 weeks Start Date:September 2025 Format:Hybrid Location:Toronto, ON

Our Teaching Approach

We skip the theory lectures that put people to sleep. Instead, you work with your own money situations from day one. Bring your actual expenses, your real income, your honest financial picture.

Most programs teach budgeting like it's a math problem. But money management is more about behavior patterns and decision-making under pressure. So we practice those skills directly.

Work through your personal financial scenarios with experienced guides
Build customized tracking systems that match how you actually live
Practice difficult conversations about money in safe group settings
Develop emergency response plans for unexpected expenses
Create sustainable habits through weekly check-ins and adjustments

Learning Together Works Better

You'll be part of a small group—around twelve people—who meet regularly throughout the program. This isn't about forced networking. It's about having people who understand what you're dealing with.

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Small Group Sessions

Meet weekly with the same people. You'll get to know each other's financial situations and challenges, which makes advice way more relevant than generic tips.

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Peer Review System

Share your budget plans with group members before finalizing them. Fresh eyes catch things you miss, and explaining your choices helps clarify your thinking.

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Accountability Partners

Pair up with someone from your group for between-session check-ins. Text when you're tempted to blow the budget. Celebrate small wins together.

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Shared Resources

Groups build their own library of tools and templates. When someone finds a great expense tracker or negotiates a better rate, everyone benefits from that knowledge.

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Real Scenario Practice

Role-play tough conversations—asking for a raise, splitting costs with partners, saying no to expensive plans. Group members play different perspectives to help you prepare.

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Ongoing Community

After the program ends, your group stays connected through a private channel. Keep sharing strategies and supporting each other's financial progress.

What Past Participants Experienced

These numbers come from our 2024 cohort surveys. Results vary widely based on starting situations and individual effort—your experience will be different.

8.5 weeks

Average Time to First Emergency Fund

Most participants built their initial 0-1000 safety net within the first two months. Some took longer, some moved faster—depends heavily on income and existing debt.

73%

Maintained Budget System After 6 Months

Three-quarters of people still actively used their budget tracking six months post-program. That's honestly better than we expected for a behavior change this significant.

4.2 hours

Monthly Time Spent on Money Management

After the learning period, participants averaged about an hour per week on financial tasks. Some automate more and spend less time, others prefer detailed tracking.

Branwen Koss

Lead Facilitator

Branwen spent twelve years helping people recover from financial crises before creating this program. She's blunt about what works and what doesn't.

Eirlys Verne

Systems Specialist

Eirlys designs the tracking systems and templates. She's really good at making complicated financial situations manageable through smart organization.

Who You'll Learn From

Both facilitators come from backgrounds in financial counseling, not sales. They've worked with hundreds of people through debt, income loss, and major life transitions.

The teaching style is direct and practical. They'll tell you when your plan has holes in it, and they'll also celebrate when you make progress. No judgment about past mistakes—just focus on building better systems going forward.

Ask About September Enrollment