We start with winter because it's when many Australian households face their highest utility costs. You'll map your current financial patterns, identify seasonal pressure points, and set up basic tracking systems. The first in-person workshop happens in early August where we analyse everyone's patterns together.

Spring brings its own challenges – end of financial year reviews, rate notices, and registration renewals all tend to cluster here. We focus on building anticipation skills and creating cash reserves for known future expenses. You'll develop your first full-year forecast during this phase.

Summer and Christmas create the year's most complex financial period. You'll learn to navigate holiday spending, manage competing demands, and maintain your financial plan during peak consumption season. Our second workshop in mid-November covers crisis prevention strategies when everything hits at once.

The new year brings fresh energy and the chance to refine your approach based on what you've learned. We help you integrate seasonal planning into permanent habits, adjust your systems based on real results, and prepare for the next full cycle. The final workshop in early February focuses on making these practices stick long-term.