Building Your Financial Foundation
Starting June 2026, we're offering a structured learning path for anyone facing financial challenges in Australia. This isn't about quick fixes or empty promises. It's about understanding where you are, why you're there, and what realistic steps you can take next.
Over twelve weeks, you'll work through practical concepts at your own pace. No pressure. No unrealistic goals. Just honest guidance from people who've helped Australians manage debt, rebuild credit, and regain some breathing room.
What This Program Covers
We break down financial recovery into manageable pieces. Each topic builds on the last, but you can revisit sections whenever you need to.
Assessment Basics
Learning to look at your actual numbers without judgment. We'll show you how to map out what you owe, what you earn, and where the gaps are. This sounds simple, but most people skip this step.
Creditor Communication
How to talk to people you owe money to without making things worse. There's a right way to ask for payment plans, and we'll walk through those conversations with real examples from our work.
Budget Structures
Creating a budget that actually reflects how you live. Not some perfect spreadsheet that falls apart in week two. We focus on patterns that hold up when life gets messy.
Credit Repair Basics
What affects your credit score in Australia and what doesn't. There's plenty of confusion here, so we stick to what matters according to credit reporting bodies.
Progress Tracking
Measuring improvement in ways that keep you motivated. Sometimes progress is slow, and you need to see the small wins to stay on track during the harder months.
Long-Term Planning
Building habits that stick after the program ends. We're not here to create dependency. The goal is giving you tools you can use without us looking over your shoulder.
How the Twelve Weeks Break Down
Each module takes about one week, though some people need longer on certain topics. That's completely normal.
Financial Reality Check
We start by documenting everything. Income, debts, expenses, obligations. This week can be uncomfortable, but you can't fix what you won't acknowledge. We provide worksheets that make this less overwhelming.
Understanding Australian Debt Laws
What creditors can and can't do under Australian law. What debt collectors are allowed to say. When you need legal advice versus when you just need information. We reference actual regulations, not rumours.
Priority Management
Not all debts are equal. Some need immediate attention. Others can wait. This module helps you decide which fires to put out first based on your specific situation, not generic advice.
Negotiation Frameworks
Scripts and strategies for talking to creditors. We've seen what works and what backfires. This includes email templates and phone conversation guides you can adapt to your circumstances.
Building Sustainable Budgets
Creating a spending plan you can actually follow for months. We test it against real scenarios like car repairs and medical bills. If it only works when nothing goes wrong, it's not a real budget.
Who's Teaching This
Our instructors have spent years working directly with Australians in financial difficulty. They understand the system because they navigate it daily.
Siobhan Murtagh
Lead Instructor
Fifteen years in financial counselling across Sydney and regional NSW. Siobhan specialises in debt negotiation and has worked with over 400 clients facing serious financial pressure.
Lachlan Byrne
Budget Specialist
Former accountant who switched to financial recovery work after seeing how many people struggle with basic budgeting. Lachlan teaches the practical tracking methods that stick.
Freya Lindström
Credit Repair Advisor
Spent a decade working inside credit reporting before moving to consumer advocacy. Freya knows exactly how the system works and what actually improves your credit file.
Aoife Gallagher
Support Coordinator
Handles student questions and provides additional resources between modules. Aoife keeps the program running smoothly and makes sure no one falls through the cracks.
Program Investment
We offer three options depending on how much support you need. All programs start in June 2026 and run for twelve weeks.
Self-Paced
- Access to all twelve modules
- Downloadable worksheets and templates
- Email support within 48 hours
- Six months portal access
- Community forum access
Guided Learning
- Everything in Self-Paced
- Four one-on-one video sessions
- Personalised budget review
- Direct instructor feedback
- Twelve months portal access
- Priority email support
Full Support
- Everything in Guided Learning
- Eight one-on-one sessions
- Creditor negotiation coaching
- Document review assistance
- Lifetime portal access
- Direct phone support