Our Courses
Three courses, each with a clear beginning and end
Below you will find full descriptions of all three courses — their content, weekly structure, what is included, and the enrolment fee. You are welcome to read through and then write to us with any questions.
← Back to HomeHow the courses are structured
Each Majulah Finance course is delivered as a series of weekly readings. There are no live sessions you must attend at a fixed hour, no video lectures to sit through, and no timed assessments. The reading is the course, and it is designed to be read at your own pace — on a commute, at a desk at home, or at the kitchen table on a weekend morning.
Each week introduces one topic clearly. A short framing paragraph sets the context. The main section works through the topic in plain language. Where relevant, a worksheet follows, designed so you can apply the week's content directly to your own household numbers. A brief closing summary recaps the key points before the next week begins.
The courses build on each other, but they also stand on their own. You do not need to have completed Course 1 before taking Course 2. Many participants begin with the course that feels most relevant to their current situation.
Writing Down What You Already Have
A welcoming starting course for adults aged 40 and above who would like to see their household finances set down clearly on one page for the first time. The course walks through listing regular income, fixed outgoings such as housing loan repayments and utilities, variable costs such as groceries and transport, periodic costs such as insurance renewals and property tax, and the household's current short-term reserves. It does not ask the learner to cut anything. The aim is clarity, not reduction.
Key benefits
- See the full household picture on a single page
- Understand the difference between fixed, variable, and periodic outgoings
- Begin a month-by-month tracking habit without pressure
- Have a clear view of short-term reserves for the first time
Weekly structure
Your household income — all regular sources, clearly listed
Fixed outgoings — housing loan, utilities, insurance premiums, subscriptions
Variable and periodic costs — groceries, transport, annual bills
Short-term reserves — what you have, where it sits, and what it is for
Included with enrolment
- Simple one-page household summary template
- Month-by-month tracker workbook (12 months)
- Printable category labels for a household ledger
- 12 months' access to all materials
Understanding Household Debt Without Alarm
A careful study of the forms of debt that typically appear on a Singapore household ledger: HDB or bank housing loans, renovation loans, credit card balances, personal term loans, education loans for adult children, and at times informal loans within the family. The course explains how interest is calculated on each, how minimum payments and rollover charges work on credit cards, how the Debt Consolidation Plan operates at licensed banks, and what the Total Debt Servicing Ratio and Mortgage Servicing Ratio limit looks like in practice. Throughout, the tone is calm and non-judgemental.
Key benefits
- Understand how interest is calculated on housing loans, credit cards, and personal loans
- See what TDSR and MSR mean for your household in practice
- Learn what the Debt Consolidation Plan is and when it applies
- Know where to go for free, confidential support if needed
Weekly structure
Types of household debt in Singapore — an overview
Housing loans — how interest accrues and what refinancing involves
Credit cards — minimum payments, rollover charges, and effective rates
Personal and renovation loans — term structures and total cost
TDSR and MSR — what these ratios mean for your household
The Debt Consolidation Plan — eligibility, process, and limitations
Support resources and next steps — building a manageable picture
Included with enrolment
- Debt summary worksheet
- Minimum-payment projection template
- Directory of non-profit and statutory support resources
- 12 months' access to all materials
Shaping a Household Rhythm That Can Last
A reflective course for learners who have a clear picture of their household finances and wish to build a quiet, sustainable rhythm that carries into later years. Topics include building and replenishing a household reserve, setting a simple giving and household-support plan for ageing parents or adult children, preparing for periodic large expenses, and gently adjusting spending patterns as retirement approaches. The course also discusses the emotional patterns that can accompany middle-year finances — comparison with peers, reluctance to discuss money with a spouse, anxiety about market headlines.
Key benefits
- Build a sustainable household reserve and know how to replenish it
- Plan for periodic large expenses without disrupting regular cash flow
- Approach family financial conversations with a clear and gentle framework
- Recognise and return to steadier ground when financial anxiety arises
Weekly structure (highlights)
Building and sizing your household reserve — what it is for and how large it needs to be
Supporting ageing parents and adult children — setting a plan that is sustainable
Preparing for large periodic expenses — home refresh, family events, medical costs
Adjusting spending patterns as retirement approaches — a gentle transition
Emotional patterns around money — returning to steadier ground
Included with enrolment
- Yearly household rhythm planner
- Reserve-fund log
- Family conversation guide (for use over several evenings)
- 12 months' access to all materials
Which course is right for you?
Each course stands alone. Here is a plain summary of what each one covers, to help you decide where to begin.
| Topic covered | Course 1 | Course 2 | Course 3 |
|---|---|---|---|
| Household income and outgoings | — | — | |
| Monthly tracking workbook | — | — | |
| Debt types and interest calculations | — | — | |
| TDSR, MSR, and Debt Consolidation Plan | — | — | |
| Household reserve planning | — | — | |
| Family financial conversations | — | — | |
| Emotional dimensions of money | — |
If you are unsure which course to begin with, write to us and we will help you decide.
Standards we hold across all three courses
Consistent across every course, regardless of which one you choose.
No product referrals
No course contains recommendations for specific financial products. We do not earn referral fees from any institution.
Annually reviewed
All material is checked each year against MAS regulations, HDB loan policy changes, and CPF rule updates relevant to the 40+ age group.
Education, not advice
We are educators. Where a participant's situation calls for regulated advice, we say so and refer them to the appropriate service.
Responsive support
We respond to participant questions by email within one business day during office hours. Phone support is also available.
Privacy of worksheet data
Worksheet documents are yours. We do not collect or store the financial figures you complete in your personal templates.
Twelve months' access
All course materials remain accessible for twelve months after your enrolment date — no automatic renewals and no additional fees.
Course fees
All fees are in Singapore dollars. Payment is made once, at enrolment, with no recurring charges.
Course 1
Writing Down What You Already Have
SGD 189
4 weeks · one-time payment
- Full course readings
- 3 working documents
- 12 months' access
Course 2
Understanding Household Debt Without Alarm
SGD 419
7 weeks · one-time payment
- Full course readings
- 3 working documents
- Support resource directory
- 12 months' access
Course 3
Shaping a Household Rhythm That Can Last
SGD 789
9 weeks · one-time payment
- Full course readings
- 3 working documents
- Family conversation guide
- 12 months' access
Paired household enrolment rate available. Write to us to enquire.
Any questions before you decide?
We are glad to answer them — by email, by phone, or in person at our Cecil Street office.
Write to Us