Modules 1–2
The month on one page
You map income that arrives on a set date and income that does not. Shift pay, overtime, self-employed months and benefits are treated as normal, not as a special case tucked in an appendix.
Online course · United Kingdom
Personal finance management, taught as a household skill.
Odonticniva is a self-paced online course for adults who want the month to make sense. You learn how to see money coming in, fund the bills that actually arrive in Britain, and keep a buffer, without a sales pitch for a product.
General education only. We are not authorised by the Financial Conduct Authority and nothing here is personal financial advice.
What the course actually covers
Eight modules, written in UK English, practised against a teaching household called the Calders. You may use their numbers or your own. The Calders are an example, not a client and not a promise.
The UK bills calendar
Council tax, energy, water, broadband, rent or mortgage, and the annual costs people forget until the letter arrives.
Buffer and sinking funds
A small cash buffer for the unexpected, and named pots for Christmas, the car, school costs and the boiler. The method is ordinary. The relief is not.
Modules 6–8
Debt order, products you will meet, and the yearly review
You learn a calm order for overdrafts, cards and other consumer credit. Later modules explain, in plain language, what a workplace pension, a cash ISA and income protection are commonly understood to be. We do not tell you to buy any of them.
Who it is for
Adults in the UK running a household, including people paid weekly, people sharing costs with a partner, and people starting again after a messy year.
How the studio teachesWhy people take it
Not because a chart went up. Because the direct debit for energy and the week the car insurance renews should not be a surprise.
Written for UK bills
Examples use pounds, UK billing cycles and the kinds of letters that land on a Shotts doormat as readily as a London one. Tax and benefits are described only at the level of “this is a thing to check”, with a pointer to official guidance.
Fits around a job
Lessons are short recordings plus a workbook. Live clinics run on weekday evenings, UK time, on the longer pathways. You are not asked to attend a campus.
No product to push
We do not take commission from banks, lenders, insurers or investment platforms. If a decision is personal, the course tells you to speak to a regulated adviser, MoneyHelper, or a qualified accountant.
Three ways to study
Prices are in pounds sterling and include VAT. A place is confirmed by email after you write to us. There is no checkout on this website.
Foundation Ledger
£189
6 weeks · self-paced
- Modules 1 to 5, recordings and workbook
- The Calder practice household, fully worked
- Email questions answered within three working days
Most households
Household Studio
£429
10 weeks · recordings and clinics
- All eight modules
- Five live evening clinics, UK time
- A written look at your one-page month, using figures you choose to share
Complete Pathway
£690
16 weeks · clinics and review
- Everything in Household Studio
- Two extra clinics on debt order and the yearly review
- A second workbook review near the end of the pathway
Start with a plain question
Tell us which pathway you are considering and whether you would rather work the Calder numbers or your own. We reply from Shotts on working days.
Write to the studio