penipiraereri

+61730719010
Cairns North, QLD
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️ help@penipiraereri.com
2/325 Sheridan St

Master Your Money Management

Build lasting financial skills through our practical eight-month budget foundations program starting September 2025

Start Your Journey

Core Learning Modules

Budget Planning Essentials

Learn to create realistic budgets that actually work for your lifestyle and income patterns

Expense Tracking Systems

Develop sustainable methods to monitor spending without overwhelming complexity

Emergency Fund Strategy

Build your financial safety net step by step with practical saving approaches

Debt Management Planning

Create actionable plans to reduce debt while maintaining everyday financial stability

Your Learning Timeline

Each phase builds on previous knowledge with plenty of time to practice new concepts

Months 1-2: Foundation Building

Start with understanding your current financial picture. Learn basic budgeting principles and begin tracking your spending patterns.

Months 3-4: System Development

Create personalized budgeting systems that fit your routine. Practice expense categorization and identify areas for improvement.

Months 5-6: Strategy Implementation

Focus on building emergency funds and developing debt reduction strategies. Learn to handle unexpected expenses confidently.

Months 7-8: Mastery & Planning

Refine your approach based on real experience. Plan for long-term financial goals and develop sustainable money habits.

Kellyn Paterson

Lead Financial Educator

After spending years helping families navigate financial challenges, Kellyn brings real-world experience to every lesson. She understands that budgeting isn't just about numbers — it's about creating systems that work with your actual life.

Personal Finance Strategy

Zora Mikhail

Budget Systems Specialist

Zora specializes in helping people create budgeting methods that stick. Her approach focuses on practical tools and realistic expectations rather than perfect spreadsheets that never get used.

Expense Management

Braelynn Cordova

Debt Strategy Coach

Braelynn helps participants develop realistic debt management strategies. She believes in progress over perfection and works with people to create sustainable approaches to reducing debt.

Debt Management

Ready to Build Better Money Habits?

Our next program begins September 2025, giving you time to prepare and commit to the full learning experience. Class sizes are kept small to ensure personalized attention and meaningful discussions.

Program includes weekly group sessions, practical worksheets, and ongoing support as you develop your personal financial management system.

Get Program Details