Budgeting in 90 Minutes

A budget is not a restriction — it's a plan for where your money goes. These plans teach you how to build a budget that reflects your actual life, track your spending honestly, and identify where small changes create meaningful savings. You'll learn the difference between fixed and variable expenses, how to handle irregular income, and why zero-based budgeting works better than percentage rules for most people. One focused session can give you more financial clarity than years of vague intentions.