Our Courses

Structured learning for every starting point

Five distinct programmes covering the full breadth of personal finance fundamentals and household budgeting, designed for UK adults with no prior financial knowledge required.

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Money Foundations course study materials laid out on a clean desk Beginner
Foundations

Money Foundations

An introduction to personal finance for those starting from scratch or wanting to consolidate basic knowledge. This course covers income and outgoings, the mechanics of a household budget, and the fundamental concepts that underpin all personal finance decisions.

6 modules
Approx. 4 hours total
No prior knowledge needed
Online, self-paced

What you will cover:

  • Understanding income: gross, net, and take-home pay
  • Mapping your outgoings: fixed, variable, and discretionary
  • The purpose and structure of a household budget
  • Reading and understanding a bank statement
  • Basic financial terminology explained in plain English
  • Setting a starting point for your financial journey
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Expense tracking worksheets and tools arranged on a professional work surface Intermediate
Tracking

Expense Tracking in Practice

A hands-on programme teaching systematic approaches to recording and analysing household spending. Participants develop practical skills in categorising expenses, identifying spending patterns, and using tracking data to inform better financial decisions.

8 modules
Approx. 6 hours total
Basic budgeting knowledge helpful
Online, self-paced

What you will cover:

  • Why expense tracking works and common barriers to doing it
  • Manual tracking methods and digital tools for recording spending
  • Building a personalised expense category system
  • Weekly and monthly review processes
  • Identifying spending leaks and habitual costs
  • Using tracked data to adjust your budget
  • Maintaining consistency over time
  • Turning tracking insights into actionable priorities
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Savings planning documents and financial worksheets on a professional desk surface Intermediate
Savings

Building a Savings Strategy

Moves beyond generic savings advice to help participants construct a savings approach suited to their actual income patterns, household commitments, and financial goals. Covers emergency funds, short and medium-term saving, and how to maintain a savings habit through periods of financial pressure.

10 modules
Approx. 7 hours total
Some budgeting knowledge recommended
Online, self-paced

What you will cover:

  • The role of savings in household financial stability
  • Building an emergency fund: how much and how to get there
  • Short-term savings: planning for known upcoming costs
  • Medium-term savings goals and how to structure them
  • Savings and irregular income: approaches for variable earners
  • Automating savings without overcomplicating your finances
  • Reviewing and adjusting savings targets over time
  • Maintaining savings habits during difficult months
  • Understanding ISA allowances in general terms
  • Connecting savings to your broader financial picture
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Online financial concepts course displayed on a laptop screen in a focused study environment All Levels
Concepts

Understanding Financial Concepts

Demystifies the language and ideas of personal finance. This course builds the conceptual vocabulary needed to engage confidently with financial discussions, news, and decisions. Topics range from interest and inflation to net worth and cash flow, all explained through accessible British examples.

7 modules
Approx. 5 hours total
No prior knowledge needed
Online, self-paced

What you will cover:

  • Interest: how it works for borrowers and savers
  • Inflation and what it means for household purchasing power
  • Net worth: what it is and how to calculate yours
  • Cash flow: the difference between income, spending, and financial health
  • Credit and debt: key concepts without the jargon
  • Understanding financial news and how it relates to your household
  • Building a personal financial vocabulary
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Comprehensive household budget documents being reviewed by a financial educator at a professional desk Advanced
Budgeting

Household Budget Masterclass

A comprehensive programme for those ready to build a fully integrated household financial system. Covers budget construction in depth, scenario planning for financial changes, ongoing review and adjustment processes, and how to use a budget as a genuine decision-making tool rather than a restrictive constraint.

12 modules
Approx. 9 hours total
Prior budgeting knowledge recommended
Online, self-paced

What you will cover:

  • Constructing a complete household budget from income to surplus
  • Budget categories and how to structure them for your household
  • Scenario planning: what happens to your budget if circumstances change
  • Monthly, quarterly, and annual budget review processes
  • Budgeting for irregular and seasonal expenses
  • Managing a budget across multiple income streams
  • Using your budget to plan for major household decisions
  • Communicating about budgets in shared households
  • Connecting your budget to your savings and debt management
  • Building a budget that adapts as your life changes
  • Common budgeting mistakes and how to avoid them
  • Sustaining a budgeting practice long-term
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About our course content

All Klavelio courses are general educational programmes designed to build financial literacy and practical money management skills. Course content does not constitute regulated financial advice, investment guidance, or recommendations of any kind. Klavelio is not authorised or regulated by the Financial Conduct Authority. Participants should not make specific financial decisions based solely on course content. For personal financial advice, please consult a qualified FCA-regulated financial adviser.