Income Planning Sessions

Real Household Scenarios

Walk through actual family budgets with us. We share case studies from Melbourne and Sydney households managing everything from mortgage stress to school fees.

Australian Tax Context

Income planning here works differently than overseas. Our sessions cover PAYG withholding, super contributions, and how franking credits affect your cash flow throughout the year.

Flexible Attendance

Join live or catch recordings later. Sessions run Tuesday evenings and Thursday mornings — pick what works around your schedule. No pressure if you miss one.

Questions Welcome

Bring your specific situation to the table. We leave time in every session for direct questions, and honestly, that's where the most useful conversations happen.

What Actually Happens

Budget Planning That Fits Your Life

Most budgeting advice feels like it was written by someone who doesn't shop at Woolies or deal with rising energy bills. Our webinars start with real numbers from real Australian households.

We cover income allocation strategies that work when one partner's on casual contracts, when you're managing HECS debt, or when childcare costs eat half your take-home. Because that's actual life for many families right now.

Each session runs about 75 minutes. First half is presentation and examples, second half is open discussion. People ask about everything from offset accounts to whether salary sacrifice actually helps.

You'll leave with spreadsheet templates and tracking methods you can start using immediately. Not complicated software — just practical tools that help you see where money goes and make better decisions.

Australian household reviewing budget documents together at kitchen table

August Through November

Winter Session Schedule

Our next series starts mid-August 2025 and runs through late November. Sessions happen fortnightly, giving you time between to implement what you've learned and come back with questions.

We keep groups small — around 25 participants per session. That way everyone gets a chance to contribute, and discussions stay focused on practical problem-solving rather than generic advice.

Registration opens in early July. Previous attendees get first access, then we open remaining spots to new participants. Sessions fill quickly because people appreciate the direct format.

Financial planning session in progress with participants engaging in discussion

Declan Ashford

Session Facilitator

15 years helping Australian families structure their income. Based in regional Victoria, understands both metro and regional financial pressures.

Why These Sessions Work Differently

I got tired of running sessions where people nodded along but couldn't apply anything afterwards. So we shifted to using actual participant scenarios — anonymized, of course — as the teaching material.

When you see how another family with similar income and commitments structured their approach, it clicks differently than theoretical examples. Plus, people realize they're not the only ones struggling with specific challenges.

We don't promise miracles. Some folks find an extra $200 per month through better allocation. Others just gain clarity on priorities and stop feeling guilty about spending decisions that actually make sense for their situation.

The best outcome is when people finish the series feeling more confident about their money decisions — not perfect, just more in control.

Ask About Next Series