Money Habits That Actually Stick Learn to Track Without the Frustration

Most people abandon expense tracking after two weeks. We teach you a practical system that fits into your real life, not some perfect version of it. Classes start September 2025.

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Financial planning workspace with charts and analysis tools

Why Traditional Budgeting Fails You

Every January, millions download budgeting apps with the best intentions. By February, they're deleted. The problem isn't you—it's the approach.

Most expense tracking methods expect you to remember every coffee purchase and categorize receipts perfectly. That's exhausting. And when you inevitably miss something, the whole system feels broken.

Our students learn to track what matters and let go of the rest. One participant told us she finally understood where her money went after years of failed attempts with other methods.

A Different Way to Think About Money

We don't teach you to deprive yourself. Instead, you'll learn to notice patterns without judgment. That's where real change starts.

The course walks you through building a tracking habit that takes five minutes a day. Not twenty. Not an hour of sorting receipts on Sunday. Just five minutes.

You'll understand why you spend on certain things and how to make adjustments that don't feel like punishment. Some expenses are worth every cent. Others you forget about immediately. Learning the difference is the key.

What You'll Actually Learn

We start with the basics: setting up a simple tracking system that works on your phone or laptop. Nothing complicated. You'll learn to categorize expenses in a way that makes sense for your life, not some textbook example.

Then we get into the interesting part: analyzing your patterns. Most people discover they spend money in ways they never realized. Some students find they're spending three times what they thought on takeaway. Others discover their gym membership hasn't been used in months.

Person reviewing financial documents and expense reports

Building Habits That Last

The second half of the program focuses on sustainability. You'll learn techniques to make tracking automatic—so automatic that you barely think about it.

We cover common obstacles: what to do when you forget to track for a week, how to handle cash purchases, and ways to stay motivated when life gets busy. Because life always gets busy.

Financial planning session with calculator and budgeting materials

Real Results from Real People

I tried tracking my expenses four times before this course. Each time I'd give up after a few weeks because it felt overwhelming. What made this different was the focus on simplicity. I'm not perfect at it, but I've been tracking consistently for seven months now. That's a record for me.

Lena Järvinen - Course participant

Lena Järvinen

Completed program in March 2024

How the Program Works

Week One: Foundations

Set up your tracking system. We'll help you choose the right tools and create categories that make sense for your spending patterns. You'll complete your first week of tracking with daily check-ins.

Week Two: Analysis

Review your first week and spot patterns. Most students are surprised by what they discover.

Week Three: Adjustments

Make your system work better. Fine-tune categories and learn shortcuts that save time.

Week Four: Building Consistency

Create habits that stick. We focus on trigger systems that remind you to track without feeling nagging. You'll learn how to recover when you miss a day or two, because that's going to happen.

Week Five: Advanced Techniques

Dig deeper into your spending. Learn to forecast expenses and plan for irregular costs.

Week Six: Long-Term Strategy

Develop your maintenance plan. How to keep tracking relevant without letting it take over your life.

Ready to Take Control of Your Spending?

Our next course starts in September 2025. Spaces are limited to maintain small group sizes and ensure everyone gets individual attention. Early registration opens in June.