lumiraphos

Build Your Financial Foundation

Six-month practical program starting September 2025. Learn budgeting, saving strategies, and investment basics through real scenarios and weekly exercises.

Register Your Interest
Students reviewing financial documents during workshop session

What You'll Actually Learn

We don't promise you'll become wealthy overnight. That's rubbish. But you will understand how money works, which turns out to be surprisingly useful.

The program runs for 24 weeks starting mid-September 2025. Two evening sessions per week, plus homework that takes about 90 minutes. It's structured but flexible — if you miss a class, there's catch-up material.

Week 1-8: Understanding income, expenses, and creating budgets that actually work for your life. Week 9-16: Building emergency funds and exploring different saving approaches. Week 17-24: Investment basics, superannuation, and long-term planning.

Classes are small. Maximum 18 people. You'll work with the same group throughout, which helps because everyone's at different starting points and learning from each other turns out to be half the value.

Materials include workbooks, spreadsheet templates, and access to our online portal where you can track your progress. Everything's designed to be practical rather than theoretical.

Program Structure

Three modules spread across six months. Each builds on the previous one, but they're also useful standalone if you already know some bits.

01

Money Basics

How to track where your money goes, spot patterns, and make adjustments. We use real bank statements (anonymized) and you'll create your first working budget by week 4.

02

Building Reserves

Different saving strategies for different goals. Emergency funds, large purchases, planned expenses. You'll set up automated systems that work in the background.

03

Growth Planning

Investment options explained without jargon. Superannuation optimization. Understanding risk and return. No guarantees about returns — just clear explanations of how things work.

Previous Participants

Results vary because everyone starts from different places. These are from our autumn 2024 cohort.

I'd been avoiding looking at my finances for years. The program gave me a framework that wasn't overwhelming. Six months later, I have a budget I actually use and an emergency fund that's growing. Still not rich, but way less stressed.

Marcus Webb

Marcus Webb

Completed Autumn 2024

The investment module cleared up a lot of confusion for me. I'd read articles online but couldn't figure out how it applied to my situation. The instructors explained things in plain language and answered questions without making you feel stupid.

Colin Fitzpatrick

Colin Fitzpatrick

Completed Autumn 2024

Next Program Starts September 2025

Registration opens in June. Places are limited to maintain small class sizes.

Get More Information