tanteluryvos
Most people start with a budget that looks good on paper but falls apart by week two. We've been teaching budget planning since 2019, and here's what we've learned: the problem isn't motivation or discipline. It's usually that the system doesn't match how you actually spend money. Our programs starting in September 2025 focus on building budgets that work with your habits, not against them.
Over six years of teaching, we've seen the same issues come up repeatedly. And honestly? They're all fixable with the right approach.
Challenge: Your income varies month to month, making traditional budgeting nearly impossible.
We teach baseline budgeting—setting up tiers that adjust automatically based on what you actually earn. Start with your minimum guaranteed income, then add layers for average months and good months. You'll learn to build flex zones into categories so they expand or contract without breaking your whole system.
Challenge: Annual bills and quarterly payments wreck your budget when they pop up.
The solution involves creating a buffer account and automating small weekly transfers. Calculate your total irregular expenses for the year, divide by 52, and move that amount every Friday. When your car registration comes due, the money's already there. We provide templates for tracking these expenses and show you how to set reminders three weeks before due dates.
Challenge: You overspend in groceries, which makes you short on petrol, which forces you to skip savings.
We teach priority sequencing and buffer placement. Rank your categories by importance, then place small buffers between priority levels. When groceries run over, the buffer absorbs it before it touches petrol money. You'll practice rebalancing exercises using real scenarios and learn to spot patterns in your overspending before they cascade.
Challenge: Money spread across different accounts makes it hard to see your actual financial picture.
Instead of consolidating everything (which creates other problems), we teach account mapping. Assign each account a specific job in your budget system. One account handles fixed bills, another manages variable spending, a third holds savings. You'll set up a simple weekly routine that takes eight minutes to check balances and confirm everything's where it should be.
Our instructors aren't just financial experts with impressive credentials. They're people who've lived through budget disasters and figured out what actually works.
Callum started teaching after spending three years helping mates sort out their finances at weekend barbecues. He realized the same questions kept coming up, and most budget advice online was either too complicated or too simplistic.
Birger came from a corporate finance background but got frustrated when clients couldn't implement the "perfect" systems he designed. He now specializes in building budgets for people with ADHD, anxiety, or anyone whose brain doesn't work well with traditional tracking methods.
Both teach live sessions starting October 2025, with recordings available if you can't make the scheduled times.
Practical Budgeting Systems
Adaptive Financial Planning
Six weeks of live sessions, starting with your current financial situation—whatever that looks like. No judgment, no prerequisites about how organized you need to be before starting.
Bring your bank statements from the last three months. We'll spend the session identifying patterns—not to shame anyone, but to understand your actual spending behavior. Most people discover they're already doing parts of budgeting without realizing it.
Weeks two through four focus on creating a system that matches your life. If you hate spreadsheets, we won't force one on you. If you need visual tracking, we'll set that up. The framework needs to feel natural enough that you'll actually use it in six months.
The last two weeks involve running your new budget while getting feedback. You'll encounter problems—that's expected. The goal is learning how to adjust when things don't go perfectly, because they never do.