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CognizantEnergy

Financial Literacy for Tomorrow

Fall 2025 Enrollment

Financial Planning Mastery Program

Build practical budgeting skills through real-world scenarios and hands-on workshops. Our eight-month program helps you develop sustainable money management habits.

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How We Actually Teach Budget Planning

Most people struggle with budgeting because they've never seen how it works in real life. We skip the theory lectures and jump straight into practical exercises using actual household scenarios.

Our students work with sample budgets based on different income levels and family situations. You'll see where money typically disappears, how to spot unnecessary expenses, and which tracking methods actually stick.

By month three, participants typically have a working budget they can adjust as life changes. That's the goal—something flexible enough to survive real life.

We don't promise overnight transformations. Building solid money habits takes time, and our program gives you eight months to practice, make mistakes, and figure out what works for your specific situation.

Students working together on budget planning exercises

What You'll Actually Learn

Six focused modules that build on each other. Each one includes worksheets, live sessions, and homework assignments.

MODULE 01

Income Tracking Basics

Document every source of money coming in. Learn to handle irregular income and account for seasonal variations.

MODULE 02

Expense Categories

Break down spending into manageable groups. Identify fixed vs. variable costs and spot patterns you might miss.

MODULE 03

Emergency Fund Strategy

Build a safety net that matches your risk level. Calculate realistic targets based on your monthly expenses.

MODULE 04

Debt Management Plans

Prioritize multiple obligations and create payoff schedules. Compare different approaches to find what fits your situation.

MODULE 05

Long-Term Planning

Set financial goals beyond next month. Balance current needs with future priorities without overwhelming yourself.

MODULE 06

Adjustment Techniques

Adapt your budget when life throws curveballs. Learn to pivot without abandoning your entire system.

Who's Teaching This Program

Three financial professionals who've spent years helping people fix their budgets. They've seen every mistake possible and know which advice actually helps.

Portrait of instructor Leon Byrne

Leon Byrne

Lead Instructor

Spent twelve years as a financial counselor before switching to education. Specializes in helping families manage irregular income.

Portrait of instructor Rita Callahan

Rita Callahan

Budget Specialist

Former bank advisor who now focuses on debt reduction strategies. Known for breaking down complicated payment plans into simple steps.

Portrait of instructor Miriam Delaney

Miriam Delaney

Workshop Coordinator

Runs the practical exercises and group sessions. Background in adult education helps her adapt teaching methods to different learning styles.

Program Schedule and Format

September 2025 Start

Classes begin Tuesday, September 9th and run through late April 2026. We meet twice weekly for the first three months, then shift to weekly sessions as you practice independently.

Evening sessions run 7:00 PM to 9:00 PM KST to accommodate working schedules. Saturday morning workshops happen twice per month for hands-on practice.

Live Online Sessions

All instruction happens through video conferencing. Recordings available for 48 hours if you miss a session, though live participation helps more.

Small group size (maximum 18 participants) means you'll get direct feedback on your budget drafts. Expect to share your work and learn from others' challenges.

Time Commitment

Plan for 6-8 hours weekly including class time, homework, and tracking practice. The workload is heaviest during months two and three when you're building your initial budget framework.

Final two months reduce to about 4 hours weekly as you refine your system. You'll need spreadsheet software or budgeting apps—we'll cover free options during week one.

Program Investment

Participant reviewing budget materials during workshop

Full Program Fee

₩1,840,000

8-month program

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  • 32 live instruction sessions
  • All course materials and worksheets
  • Personalized budget review sessions
  • Access to instructor office hours
  • Private online discussion group
  • Session recordings for review