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Flareonlight

Master Your Money in Small Steps

Our learning program breaks down complex budgeting into manageable pieces. No overwhelming spreadsheets or confusing formulas — just practical skills you can actually use.

Find Your Starting Point

Everyone's financial situation is different. That's why we built our program around questions, not assumptions. Answer a few simple prompts, and we'll guide you to the right learning path.

Are you spending more than you earn?

We'll start with emergency expense tracking and show you where your money actually goes each week.

Do you have money left over but no savings?

You'll learn the "pay yourself first" method and simple automation tricks that work.

Want to plan for bigger purchases?

We cover goal-setting strategies and timeline planning that keeps you motivated.

Need help with irregular income?

Special techniques for freelancers, contractors, and seasonal workers who never know what's coming next.

Students working together on budget planning exercises

Learning Categories

Each symbol represents a different area of money management. You can focus on one category or mix and match based on what you need right now.

Emergency Fund Building

Start with $500, then work toward one month of expenses. We'll show you how to save consistently without feeling deprived.

Expense Tracking

Simple methods that take 5 minutes a day. No complex apps or endless categories — just clear insight into your spending patterns.

Goal Setting

Turn vague wishes into specific plans. Whether it's a vacation or a car down payment, we'll help you break it into monthly steps.

Debt Management

Practical strategies for paying off credit cards and loans faster. No shame, no judgment — just math and psychology that works.

Meet Your Instructors

Our team combines real-world experience with genuine understanding of how hard it can be to manage money when you're juggling work, family, and everything else life throws at you.

Portrait of Astrid Bergström, financial planning instructor
Astrid Bergström
Emergency Fund Specialist

Real Experience, Real Solutions

These aren't theoretical lessons from people who've never struggled with money. Our instructors have been where you are now. They've made mistakes, learned from them, and figured out what actually works in the real world.

Each session combines practical exercises with honest discussions about the emotional side of money management. Because let's face it — budgeting isn't just about math.

Portrait of Kira Novak, budget tracking instructor
Kira Novak
Budget Tracking Expert
Portrait of Marcus Thornfield, debt management counselor
Marcus Thornfield
Debt Management Counselor

How the Program Works

We start with the foundation and build up. Each level prepares you for the next, so you're never overwhelmed or confused about what to do next.

1

Track What You Spend

Two weeks of writing down every purchase. Yes, even that coffee. You'll be surprised what you discover about your spending habits.

2

Create Your First Budget

Based on your actual spending patterns, not some generic template. We'll help you build something you can actually stick to.

3

Build Your Safety Net

Start saving for emergencies while still living your life. Small amounts add up faster than you think when you're consistent.

4

Plan for What Matters

Now that your basics are covered, you can focus on bigger goals without the stress of living paycheck to paycheck.

Ready to Take Control?

Our next program starts in September 2025. Classes meet twice a week for six weeks, and you'll have access to all materials and instructor support throughout the program.

Get Program Information