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Master Your Money Through Every Season

Real financial planning changes throughout the year. Our autumn 2025 program starts September 15th, teaching you to adjust budgets around holidays, tax time, school costs, and Australia's unique seasonal patterns.

Reserve Your Spot

Four Quarters, Four Focus Areas

Each three-month module builds on the last. You'll see how expenses shift, where money tends to disappear, and what works when your regular routine gets disrupted.

Spring: Fresh Financial Starts

September brings new financial years for many. We cover end-of-year tax prep, setting realistic annual targets, and building buffers before summer holidays hit your wallet hard.

Summer: Holiday Budget Reality

December and January drain bank accounts fast. Learn to plan for gifts, travel, and school breaks without January panic. Real strategies that account for Australian summer patterns.

Autumn: Back-to-Routine Budgets

March means school costs, routine resets, and recovering from summer spending. We help you create sustainable weekly budgets and identify where money actually goes during normal months.

Winter: Mid-Year Money Checks

June brings tax time, winter energy bills, and mid-year goal reviews. You'll learn quarterly financial check-ins and how to adjust when reality doesn't match your January plans.

Students reviewing seasonal budget spreadsheets during workshop session

Practical Sessions, Not Just Theory

Every Tuesday evening from 6:30-8:30pm, starting September 15, 2025. We meet in Mackay for twelve weeks, working through real budget scenarios.

Bring your own numbers (we keep everything confidential), or work with sample budgets. By November, you'll have created a full-year financial plan that actually accounts for how your spending changes month to month.

Classes stay small—maximum 16 people—so everyone gets individual attention. No lecturing at you for two hours straight. We spend most of the time working on your specific situation.

Group of participants collaborating on budget planning exercises

Learn Alongside Others Figuring It Out Too

Money stress feels isolating. But when you're in a room with other people wrestling with similar challenges—school fees, car repairs, saving for something specific—it changes everything.

You'll work in small groups sometimes, share what's working (and what isn't), and realize you're not the only one who finds budgeting confusing. Past participants say this peer connection matters more than any worksheet.

  • Small group budget reviews where you can ask "does this make sense?" about your actual numbers

  • Confidential sharing—what gets discussed in class stays in class, always

  • Private online forum for questions between sessions (no judgment, just support)

  • Optional monthly check-ins after the program ends—keep the momentum going into 2026

Who's Teaching This Program

Portrait of financial educator Callum Hargrave

Callum Hargrave

Seasonal Budget Planning

Spent fifteen years helping Mackay families create budgets that survive Christmas and school holidays. Former bank advisor who got tired of selling products people didn't need. Now focuses on teaching practical money skills that actually stick.

Portrait of tax planning specialist Rhiannon Voss

Rhiannon Voss

Tax Time & Year-End Planning

Tax accountant who realized most budget stress comes from not planning for June deadlines. Teaches the autumn module, helping people understand deductions, track receipts properly, and stop dreading tax time every single year.

Portrait of financial coach Desmond Quillen

Desmond Quillen

Quarterly Reviews & Adjustments

Runs the winter sessions focused on mid-year check-ins. Believes budgets fail because people create them once in January, then never look again. Teaches simple quarterly reviews that take twenty minutes and keep you on track.