Stop Guessing Where Your Money Goes
Most people think budgeting means restriction. But what if you could actually see where money flows, predict patterns before they bite you, and make choices that fit your actual life? We teach financial forecasting that works for real people managing real expenses.
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How Financial Forecasting Actually Works
Capture Your Reality
We start by mapping your actual spending. Not what you think happens, but what bank statements reveal. You'll learn to categorize without judgment and spot patterns you've been missing for years.
Build Forward Models
Once you understand the baseline, you'll create projections that account for seasonal changes, irregular expenses, and those annoying one-off costs that always seem to surprise people.
Test Different Scenarios
What happens if rent increases? If you take that trip? If the car needs repairs? You'll practice running scenarios so decisions become clearer and stress decreases significantly.
What You'll Actually Learn
Our program focuses on practical skills you can use immediately. Not theory for the sake of it, but methods that make Monday mornings less anxious.
Reading Your Financial Patterns
Most people glance at account balances and hope for the best. You'll learn to actually read transaction histories, identify spending cycles, and understand why certain months always feel tighter than others.
We cover the boring stuff that actually matters: recurring subscriptions you forgot about, seasonal expenses that catch you off guard, and those small daily purchases that add up faster than you'd think.
Creating Forecasts That Hold Up
A forecast isn't a wish list. It's an educated guess based on data. You'll build models that account for variability, adjust for life changes, and remain flexible when reality shifts.
We focus on tools you already have: spreadsheets, basic apps, even paper if that's your thing. No expensive software required, just clear thinking and consistent tracking.
Planning Beyond Next Month
Short-term budgets fail because life extends past 30 days. You'll learn quarterly planning, annual reviews, and how to prepare for major expenses without panic or debt.
This includes strategies for building reserves, managing irregular income if you're freelance or commission-based, and adjusting forecasts when circumstances change unexpectedly.
Why This Approach Makes Sense
We've seen too many budgeting courses that promise miracles or shame people for normal spending habits. Ours is different because it starts with acceptance of how you actually live, then builds practical systems around that reality.
No Judgment Zone
You spend money on things that matter to you. We won't tell you to stop buying coffee or cancel your streaming services. Instead, we help you see the full picture and make informed choices about trade-offs.
Realistic Timelines
Financial habits take months to shift, not days. Our September 2025 cohort spans twelve weeks because that's how long it actually takes to see patterns, adjust behaviors, and build confidence in your system.
Flexible Frameworks
Your budget shouldn't feel like a straitjacket. We teach methods that flex with irregular income, unexpected expenses, and life changes. Systems that work when you're stressed or busy, not just when everything's perfect.
Ongoing Support
Questions come up weeks after you start implementing. That's why participants get six months of email support after the program ends. Real support when you need it, not just during class time.
Taught by Ludvig Reistad
After fifteen years helping businesses with financial planning, Ludvig started wondering why individuals didn't have access to the same forecasting tools. He developed this program for people who want clarity without complexity.
Lead Instructor