Your Money Story Starts Here

Most of us weren't taught about money in school. We figure it out as we go—sometimes making expensive mistakes along the way. Our courses help you understand the basics without the jargon, starting wherever you are right now.

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Financial planning materials and resources spread across a workspace

Find What You Actually Need

Not everyone needs the same financial advice. Where you're at matters more than where you think you should be.

Starting From Scratch

Never had a budget? Salary goes in, bills come out, and you're not quite sure where the rest disappears to? Start with the fundamentals—tracking, understanding patterns, and building your first safety net.

Ready to Level Up

You've got the basics down but want to do more with your money. Maybe you're thinking about property, investments, or just tired of your savings sitting in a low-interest account doing nothing.

Life Just Changed

New job, relationship, baby on the way, or maybe a breakup—big life shifts mean your financial situation needs a fresh look. Get help adjusting your approach when everything feels different.

Learn in Chunks That Actually Fit Your Life

We know you're busy. Our modules take 15-20 minutes, not hours. Do one on your lunch break or while waiting for the kettle to boil.

Budget Basics

Stop guessing. Start knowing where your money goes each week and why it matters.

Debt Reality

Credit cards, personal loans, HECS—understand what you actually owe and how to tackle it.

Housing Choices

Rent versus buy isn't always straightforward. See what makes sense for your situation.

Super Decoded

Your superannuation is probably your biggest asset. Learn what's happening with it now.

Goal Setting

Holiday in Bali? New car? House deposit? Break big goals into steps you can actually take.

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Insurance Logic

What you need, what you don't, and how to avoid paying for coverage that doesn't help.

Smart Spending

Buy what you value, skip what you don't. Sounds simple but takes some thinking through.

Future Planning

Retirement feels far away until suddenly it doesn't. Small moves now make a difference later.

How People Usually Progress

There's no perfect path, but most folks move through these stages at their own pace. You might jump around or revisit earlier steps—that's completely normal.

Getting Your Bearings

First few months focus on seeing your actual financial picture. Track spending, list your debts, check your super balance. Just understanding what's what makes a huge difference.

Building Your Buffer

Once you know where money goes, start keeping some back. Even a small emergency fund changes how you sleep at night when the car needs repairs or the fridge dies.

Tackling What You Owe

With a bit of breathing room, focus on debt. High-interest stuff first usually makes sense. Doesn't happen overnight—might take a year or two depending on your situation.

Growing What You Have

Less debt means more options. This is when you start thinking about investments, property, or boosting your super contributions. Still careful, but with more freedom to choose.

Real Situations We Cover

These aren't hypothetical textbook examples. They're based on actual questions from people who've been through our programs in Darwin and around the Territory.

Person reviewing financial documents and making budget calculations

First Home Confusion

Trying to save a deposit while renting in Darwin isn't easy. We walk through the actual numbers—how much you need, what government schemes might help, and whether now is even the right time for you to buy.

Financial planning session with documents and digital tools

Career Transition Money

Changing jobs or industries? Taking a pay cut to switch careers? Going from permanent to contract work? These shifts affect more than just your paycheck—we help you plan for the ripple effects.

Tools You Can Actually Use

Forget complicated spreadsheets you'll never touch again. We provide simple templates and calculators that help you make decisions without needing an accounting degree.

Weekly Money Tracker

Simple worksheet that shows where your money goes each week. Takes five minutes to fill out. After a month, you'll spot patterns you never noticed before.

Debt Payoff Calculator

Plug in what you owe and see how different payment amounts change your timeline. Sometimes an extra fifty bucks a fortnight makes a bigger difference than you'd think.

Goal Timeline Planner

Want to save for something specific? This helps you figure out how much to put aside each pay period to hit your target by a certain date.

Super Check-in Guide

Step-by-step walkthrough for reviewing your superannuation. Make sure you're not paying too much in fees and your money's in the right investment mix for your age.

Ready to Start Making Sense of Your Money?

Our next program intake opens in September 2025. You can register interest now, or just have a look at what we offer. No pressure—this only works if you're genuinely ready to dive in.

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