+1 780 992 6013 [email protected]
Kubanefro
Kubanefro Personal Budgeting
Certified Instructors
Personal budgeting session in progress, showing a participant reviewing a monthly spending breakdown
Learning Program

Personal
Budgeting
Foundations

Most people know roughly how much they earn. Very few know exactly where it goes. This program addresses that gap with a structured, session-based approach to tracking income, categorising expenses, and building a monthly plan that holds.

Sessions are practical — every concept is applied to real figures, not hypothetical ones. You work with your own numbers from the first week.

8 Weeks
16 Sessions
75 min Per session
12 Max group size
Reserve a place

How the
program
works

Eight weeks, two sessions per week. Each module builds on the previous one — no standalone topics dropped in at random.

Live sessions over video call
Google Sheets and Excel templates included
Sessions available in EN, FR, DE
Flexible scheduling for private enrolments
01

Income mapping and net position

Weeks 1–2. Participants document all income sources and calculate their actual net monthly position. Many discover discrepancies between assumed and real figures at this stage.

02

Expense categorisation and fixed vs. variable

Weeks 3–4. Expenses are sorted into fixed commitments and variable spending. The distinction matters because each category requires a different control strategy.

03

Building the monthly budget cycle

Weeks 5–6. Participants construct a repeatable monthly cycle using the provided templates. Sessions cover how to handle irregular expenses like annual fees or seasonal costs.

04

Short-term reserves and debt handling

Weeks 7–8. The final module addresses building a basic buffer fund and how to factor existing debt repayments into a functioning budget without destabilising it.

Portrait of Oliver Baştürk, group session instructor
Oliver Baştürk
Group Sessions

Leads all cohort-based sessions. Background in household economics and adult financial literacy education.

Portrait of Raffael Knöpfel, private session instructor
Raffael Knöpfel
Private Sessions

Works one-on-one with participants. Focuses on individualised plans based on each person's income structure and obligations.

Group
Sessions

Fixed cohorts of up to 12 participants. Scheduled twice per week on set days. Peer discussion is built into each session structure.

  • Live video with all participants
  • Shared worksheet exercises
  • Recording available for 30 days
  • Cohort discussion channel
CA$290
per participant, full 8-week program
Enrol in group

Private
Instruction

One instructor, one participant. Sessions scheduled around your calendar. Covers the same material with full focus on your personal situation.

  • Flexible session scheduling
  • Personalised budget templates
  • Between-session email support
  • Pace adjusted per participant
CA$580
full program, single participant
Book private sessions

Common questions

No prior knowledge is required. The program starts from basic concepts and builds progressively, so participants at any starting point can follow along.
Group sessions run on a fixed schedule with up to 12 participants, allowing peer discussion. Private sessions are scheduled around your availability and focus entirely on your personal financial situation.
The full program runs across 8 weeks with two sessions per week. Each session is 75 minutes. Private participants set their own pace within a recommended 10-week window.
Sessions use spreadsheet templates compatible with Google Sheets and Microsoft Excel. No paid software is required. Templates are shared before the first session.