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carvonaelio

Financial knowledge shapes better futures
Budgeting Workshops
Investment Fundamentals
Debt Management
Savings Strategies

Finance Awareness Learning Program

Build practical money management skills through structured learning that fits your schedule. Our autumn 2025 intake opens July for those ready to strengthen their financial understanding.

Why This Program Works

Most people leave school without any real understanding of how money works. We built this program for anyone who's tired of feeling confused about their finances.

You'll learn from real scenarios that people face every day. Not textbook theories, but the actual decisions that matter when you're trying to save for something important or figure out whether that loan makes sense.

The program runs for sixteen weeks starting September 2025. Classes happen twice a week in the evenings, and we keep groups small so everyone gets individual attention when they need it.

Students reviewing financial documents during interactive workshop session

How We Teach This Stuff

Start Where You Are

Everyone joins with different experience. Some have never looked at their bank statements closely. Others might understand basics but want to go deeper. We meet you at your level.

Practice With Real Numbers

You'll work through budgets, compare actual loan offers, and analyze real investment options. The numbers you practice with reflect what you'll actually encounter in Australia.

Ask Without Judgment

There's no such thing as a stupid question about money. We've heard them all, and the best learning happens when people feel comfortable asking what they really want to know.

What You'll Actually Learn

The program covers four core areas over sixteen weeks. Each builds on the previous one, but we design them so missing a class doesn't leave you completely lost.

Instructor explaining budgeting concepts on whiteboard to engaged learners

Money Basics and Budgeting

Understanding where your money goes sounds simple until you actually track it. We'll help you build a budget that works for your situation, not some ideal version of your life.

Credit and Debt Management

Credit cards, personal loans, mortgages. How they actually work, what the fine print means, and when borrowing makes sense versus when it'll cause problems down the road.

Saving and Investment Foundations

Superannuation, shares, property, savings accounts. We'll break down the options available in Australia and help you understand risk versus return without the confusing jargon.

Financial Planning and Goals

How to plan for the things that matter to you. Whether that's a house deposit, career change, or just building a buffer so unexpected expenses don't wreck your month.

Who Teaches The Program

Lena Kowalski, lead instructor with twelve years financial education experience

Lena Kowalski

Lead Instructor

Lena spent twelve years as a financial counselor before moving into education. She's particularly good at explaining complicated concepts without making people feel lost.

Siobhan Rafferty bringing investment knowledge from banking sector background

Siobhan Rafferty

Investment Specialist

After working in banking for eight years, Siobhan now focuses on teaching people how investment products actually function. She handles all our investment modules.

Astrid Lindgren specializing in practical budgeting and debt management strategies

Astrid Lindgren

Budgeting Coach

Astrid brings real-world experience from her work with community financial services. She teaches the budgeting and debt management sections with practical examples that resonate.

Ready To Start Learning?

Applications for our September 2025 intake open in early July. Spaces are limited to maintain quality instruction, so it's worth getting in touch soon if you're interested.

Get Program Details