Most people think about next month's bills. We teach you to think about next decade's possibilities.

Freya Sutherland, Budget Education Director

Freya Sutherland

Budget Education Director

Why Three Years Changes Everything

One-year budgets feel safe. They're familiar. But they trap you in reactive thinking – always responding to what just happened instead of building toward something better.

When you stretch your perspective to three or five years, something shifts. Suddenly that expensive certification makes sense. That side business idea has room to breathe. The house deposit feels achievable rather than impossible.

We've watched hundreds of people discover this shift since 2023. Not through magic formulas or complicated spreadsheets – just by learning to see their money as a tool that works across time, not just across paycheques.

What Actually Happens in Our Programs

Our September 2025 cohort runs for twelve weeks. You'll spend about four hours per week working through real scenarios – your own financial data, not hypothetical examples from textbooks.

Week one usually feels overwhelming. By week four, most participants stop checking their bank balance daily. By week eight, they're making decisions they would have stressed about for months.

There's no guarantee you'll save a specific amount or hit particular targets. What you will get is a framework that works when life doesn't go according to plan – because it never does.

Classes start 15th September 2025 in Salford, with evening sessions available for working professionals.

Understanding income patterns and expense cycles

Income Mapping

Track irregular earnings and plan for seasonal variations

Building flexible emergency reserves

Safety Buffers

Create reserves that adapt to your changing circumstances

Long-term goal planning and milestone tracking

Future Planning

Break down big goals into manageable monthly steps

Scenario modeling for major life decisions

Decision Modeling

Test different choices before committing real money

Progress tracking and adjustment strategies

Adjustment Tools

Recalibrate plans when reality shifts unexpectedly

Ready to Think Beyond Next Month?

Our next program starts September 2025. Limited to 24 participants so everyone gets individual attention during workshops.