Budget Optimisation
A practice-first workshop where you work through actual spending data, identify waste, and restructure allocations that hold. No generic templates.
Structured modules, applied work
Each module targets a specific pressure point in personal or household budgeting — fixed costs, discretionary spending, irregular expenses, and debt sequencing. You leave each session with adjusted numbers, not just concepts.
The program runs entirely online, so participants from the greater Montréal area and surrounding communities access the same materials and live collaboration sessions without commuting.
Reading what you actually spend
Most people misremember their spending by 15–30%. This module builds an accurate baseline using three months of transaction data.
- Categorise transactions without guessing
- Spot recurring charges you forgot existed
- Benchmark categories against your income
Fixed costs and renegotiation
Insurance, subscriptions, and service contracts often have room to move. You work through each one with a real checklist.
- Identify contracts up for renewal
- Prepare comparison data before calling
- Set a calendar for annual reviews
Discretionary spending decisions
Cutting everything rarely holds. This module is about finding where reductions cost you the least satisfaction per dollar saved.
- Map spending against actual enjoyment
- Test a two-week constraint scenario
- Build a sustainable limits structure
Debt and savings sequencing
The order in which you address debt vs. savings matters more than the total amounts. You calculate the difference for your specific numbers.
- Compare avalanche vs. snowball on your data
- Set a starter emergency threshold
- Build a 12-month allocation schedule