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A man studying an online lesson at a kitchen table

Curriculum

Eight modules. One household month.

Each module ends with a page you can fill in. You are not examined on jargon. You are asked whether next month is clearer than this one.

Module list

  1. 01

    The month on one page

    You list money in, money committed, and money still unassigned. The Calder practice household — two adults, one child, one salary and one variable shift income in North Lanarkshire — is fully worked so you can see the shape before you use your own figures.

  2. 02

    Income that is not a neat salary

    Weekly pay, overtime, zero-hours patterns, self-employed invoices and statutory payments. You learn to plan from a cautious month, not from the best month you have had in a year.

  3. 03

    Spending you can explain

    Food, transport, subscriptions and the small repeats. The aim is not a personality change. The aim is a list you would not be embarrassed to read aloud to the person you share a kitchen with.

  4. 04

    The UK bills calendar

    Council tax instalments, energy direct debits, water, broadband, TV licence where it applies, rent or mortgage, insurance renewals and school-year costs. You place each one on a twelve-month strip so a “quiet” month is not quietly expensive.

  5. 05

    A buffer and sinking funds

    How large a cash buffer is worth aiming for in your situation, and how to fund named costs before they are due. We talk about separate pots as a habit. We do not require a particular bank’s app.

  6. 06

    Debt in a deliberate order

    Overdrafts, credit cards, store credit and other consumer borrowing: interest, minimum payments, and why the order matters. If you are in serious difficulty, the module points you to free debt advice such as the services listed by MoneyHelper, rather than offering a plan we are not permitted to give.

  7. 07

    Products you will meet

    Plain descriptions of workplace pensions and automatic enrolment, cash ISAs, and the idea of protection policies. This is vocabulary and questions to ask. It is not a recommendation to open, transfer or cancel any account.

  8. 08

    The conversation and the yearly review

    How to talk about money with a partner or an adult child without turning Sunday into a tribunal, and a once-a-year review that takes an evening, not a new personality.

A glass jar of coins on a wooden table

What the course will not do

  • It will not tell you which fund, mortgage, insurer or credit card to choose.
  • It will not complete a tax return or calculate the tax you owe.
  • It will not promise that you will save a stated amount of money.
  • It is not suitable as a substitute for regulated advice, insolvency advice, or legal advice.

Foundation Ledger covers modules 1 to 5. Household Studio and the Complete Pathway cover all eight. Fees are set out on the home page and confirmed in your enrolment email.

Bring a question, not a perfect spreadsheet

If you are unsure which pathway fits, write with a sentence about your household. We will say which one matches, and we will say if the course is the wrong tool.

Talk to the studio