Realistic Timeline Mapping
You'll create a month-by-month recovery plan based on your actual income and obligations. No fantasy budgets that ignore how people really spend money. Just practical projections that account for occasional setbacks.
Rebuild Your Financial Future with Clarity
Practical education for people who've faced financial setbacks and want to move forward
Starting over financially can feel overwhelming. We've worked with hundreds of Australians who thought they'd never recover from debt, business failure, or unexpected financial crisis. Our approach isn't about quick fixes or miracle solutions—it's about understanding what went wrong and building sustainable habits that actually stick.
Explore Learning Pathways
After my business collapsed in 2023, I genuinely believed I'd be stuck in debt for decades. The sarenthilva program didn't promise overnight changes, which honestly made me trust it more. What I learned about cash flow management and debt prioritization actually made sense for my situation. Eighteen months later, I'm not completely debt-free, but I have a clear plan and I'm sleeping better.
Recovery Strategies That Address Real Problems
We focus on the specific challenges people face after financial setbacks—not generic advice you could find anywhere.
Debt Restructuring Fundamentals
Understanding which debts to tackle first isn't intuitive. We break down interest calculations, negotiation tactics with creditors, and realistic timeframes. You'll learn when consolidation helps and when it makes things worse—because there's no one-size-fits-all answer.
Income Recovery Planning
Getting back on your feet often means rethinking how you earn. We examine skill assessment, freelance opportunities, and part-time work strategies that fit your circumstances. This isn't about selling false hope—it's about identifying realistic options you might have overlooked.
Credit Score Rehabilitation
Bad credit follows you around in Australia. We explain exactly how credit reporting works, what actions improve your score fastest, and how long different negative marks actually last. The timeline isn't always pleasant, but knowing it helps you plan properly.
Psychological Reset Techniques
Financial stress does weird things to decision-making. Our modules address the emotional side—recognizing anxiety patterns, breaking avoidance behaviors, and rebuilding confidence in your financial judgment. This part surprised many students but they say it made the biggest difference.
What You'll Actually Gain
Here's what participants tell us made a tangible difference in their financial recovery journey.
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Negotiation Scripts That Work
Talking to creditors feels intimidating. We provide word-for-word conversation frameworks that participants have actually used to negotiate payment plans, interest rate reductions, and settlement arrangements with Australian lenders.
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Emergency Buffer Strategies
Building savings while in debt sounds impossible. We show you micro-saving techniques that work even when money is tight, plus how to create a basic emergency fund before you're completely debt-free.
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Ongoing Resource Access
Financial recovery takes years, not months. You get continued access to updated materials, quarterly check-in sessions, and a private forum where people share what's working in 2025's economic environment.
Program Investment Options
Choose the learning path that fits your current situation. All programs start in September 2025.
Foundation Program
$495 one-time payment
- 8-week self-paced course
- Core recovery strategies
- Budget planning templates
- Debt prioritization worksheets
- Email support access
- Community forum membership
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Guided Recovery
$1,240 or 4 payments of $330
- 12-week structured program
- All Foundation content
- Bi-weekly group coaching sessions
- Personalized recovery roadmap
- Credit report analysis
- Negotiation practice sessions
- 6-month extended forum access
Comprehensive Support
$2,890 or 6 payments of $510
- 6-month intensive program
- All Guided Recovery content
- Weekly one-on-one coaching
- Custom financial recovery plan
- Direct creditor negotiation support
- Monthly progress reviews
- 12-month forum and resource access
- Income enhancement consulting
