Master Zero-Based Budgeting
Transform your relationship with money through our comprehensive learning program designed for real people facing real financial challenges. No empty promises—just practical skills that work.
Your Learning Journey
Before You Start
- What exactly is zero-based budgeting and why does it work better than other methods?
- How much time will this actually take each month?
- What if I've tried budgeting before and failed?
- Do I need special software or can I use basic tools?
- How do I handle irregular income or expenses?
During the Program
- What happens when my first budget doesn't work perfectly?
- How do I stay motivated when progress feels slow?
- What support do I get when I'm stuck on specific challenges?
- How do I involve my family without causing conflict?
- Can I adjust the system to fit my unique situation?
After Completion
- How do I maintain these habits long-term?
- What happens when my financial situation changes?
- How do I teach these skills to my children?
- What advanced strategies can I learn next?
- Do I still have access to resources and community?
Ongoing Support
- Where can I get help with new financial challenges?
- How do I connect with other program graduates?
- What refresher resources are available?
- Can I access updated materials as they're released?
- How do I handle major life changes that affect my budget?
Less Complexity, More Results
Core Message
Zero-based budgeting gives every dollar a job before you spend it. This simple shift changes everything about how you handle money.
Essential Information
You'll learn the four-step system, common pitfalls, and how to adapt the method to your specific income and lifestyle.
Primary Action
Build your first working budget during week one, then refine it through practice with real-world scenarios and personalized feedback.
Key Value
You'll finally understand where your money goes and feel confident making spending decisions aligned with your actual priorities.
Program Details & Faculty
Our next cohort begins September 2025. You'll work directly with financial educators who have helped thousands of Australian families take control of their money.
Kieran Abernathy
Former banking executive who discovered zero-based budgeting after his own financial struggles. Now helps families across NSW build sustainable money habits that actually work in real life.
Indira Callaghan
Single mum who paid off $45,000 in debt using zero-based budgeting. She brings practical experience and genuine empathy to every student interaction.
Vesna Thorsen
Specializes in helping couples navigate money conversations and build budgets that work for different personality types and spending patterns.
What You'll Learn
- The psychology behind why traditional budgets fail and how zero-based budgeting addresses these fundamental issues
- Setting up your first zero-based budget using tools you already have (no expensive software required)
- Handling irregular income, seasonal expenses, and unexpected costs within your budget framework
- The envelope method adapted for modern banking and digital payments
- Family budget meetings that actually improve relationships instead of causing stress
- Building emergency funds and sinking funds that prevent budget-breaking surprises
- Common mistakes in months 1-6 and proven strategies to get back on track quickly
- Long-term wealth building that starts with solid budgeting foundations
Program Schedule
Eight weeks starting September 15, 2025
Tuesday evenings 7:00-9:00 PM AEST
Online sessions with optional in-person
workshops in Orange