The complete curriculum
Thirty-four lessons across four modules. The group programme covers them across eight weeks; the one-to-one programme covers the same ground in six, skipping what you already know.
The order is not negotiable, and that is the most important design decision in the whole course. Every lesson depends on the ones before it. You cannot size a buffer without knowing your annual costs. You cannot price your work without knowing your rate floor. You cannot choose an income route sensibly without knowing how long you can survive without income.
Module one — Seeing clearly
| Tracking without shame | Why most tracking fails in eleven days, and the two-week method that does not. Cash, cards and digital wallets in one place. |
| A category system that survives | Essential, flexible, irregular and invisible. Why fifty categories always collapse into chaos and nine do not. |
| Reading a statement properly | Recurring charges, duplicate subscriptions, currency conversion losses, foreign transaction fees, and the small charges nobody reads. |
| Net worth on one page | Assets, liabilities, the honest number, and why watching it quarterly is more useful than watching it daily. |
| Cash-flow problem or income problem | A diagnostic. The two look identical from inside and require opposite treatments. |
| Annual cost of living | The number almost nobody knows, and the one every later decision depends on. |
Module two — Stability
| Four budgeting methods compared | Zero-based, percentage split, pay-yourself-first, and envelope. Which personalities abandon which, and why. |
| Budgeting on irregular income | Building on your worst month rather than your best, and using the good months to fill a levelling account. |
| Automating the mechanism | Transfer dates, separate accounts, and removing willpower from the process entirely. |
| Sizing an emergency buffer | By risk, not by round numbers. Job stability, dependants, health, notice periods and the local cost of a crisis. |
| Where the buffer lives | Accessible but not too accessible. The rules for touching it, written down in advance. |
| Debt arithmetic | How interest actually accrues, what minimum payments really cost, and how to read a credit agreement. |
| Payoff strategies | Avalanche versus snowball, with the arithmetic and the psychology both taken seriously. |
| Refinancing and consolidation | When it helps, when it is a trap, and the specific terms to check before signing. |
| Talking to lenders | What to say when you cannot pay, and why saying it early changes the outcome. |
| Insurance as risk transfer | Which risks to insure, which to absorb, and how to tell the difference without reading a policy for three hours. |
Module three — Earning
| The map of online income | All fourteen routes, scored on the same six axes. No route is presented as best. |
| Matching routes to yourself | Skills you already have, hours you actually have, capital you can genuinely lose, and rejection you can tolerate. |
| Cheap tests before expensive commitments | Designing a ten-day test that tells you something real for almost no money. |
| Defining one offer | One buyer, one problem, one price. Why a menu of six services gets fewer replies than a single clear one. |
| Finding where demand actually is | Marketplaces, direct outreach, local search, communities and referral. Which suits which route. |
| Profiles and portfolios | Getting a reply. What buyers look at first, and how to build a portfolio when you have no clients yet. |
| Pricing from a floor | Calculating a rate floor from your own annual costs, then pricing above it. Never pricing from fear. |
| Outreach that is not spam | A message structure that gets read, and the arithmetic of how many you need to send. |
| The first client conversation | Scope, deposit, deadline, revisions and what to do when a request grows halfway through. |
| Handling rejection and silence | Expected volumes, when to follow up, and when to stop. |
Module four — Keeping and growing
| Getting paid across borders | Transfer routes, conversion spreads, platform fees, and how to stop losing a fifth of every payment. |
| Invoicing and records | What an invoice must contain, and a filing habit that takes two minutes a week. |
| Setting tax aside on arrival | A percentage moved the same day the money lands. What questions to take to a local professional. |
| Raising rates | When, by how much, and the exact wording. Including what to do if a client refuses. |
| From services to something that scales | Productising, packaging, subcontracting, or building an audience. The realistic paths and their costs. |
| Investing principles | Compounding, cost drag, diversification, horizon and volatility. General principles only, never product recommendations. |
| Recognising fraud | Structure of the common approaches: guaranteed returns, recruitment schemes, romance and friendship approaches, fake platforms, recovery scams. |
| The twelve-month review calendar | What to check monthly, quarterly and annually, with dates in your own calendar before the course ends. |
Pick the format that matches how you learn
Group cohorts run every month and cap at twelve people. One-to-one places open a few at a time, because each one takes a fixed block of the week.
Not sure yet? Send a short note about your situation — how many hours a week you have, what you have already tried, and what you want money to do for you. You will get a straight answer about which format fits, or whether neither does.