What Participants Say
Accounts from people who have been through the courses
We asked participants to share what they found useful — and what, if anything, they would have liked to be different. Their responses are shared here, with names used with permission.
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Participants since 2019
4.7/5
Post-course satisfaction
62%
Go on to a second course
38%
Enrol as couples
What participants have written
Tan Keng Huat
Bishan · Course 1
"I have been meaning to sit down and write out our household finances properly for years. The first week's reading was enough to make me actually do it. Having a template that was already organised the way the course described made a real difference — I am not good at starting from a blank page."
March 2025
Lim Mei Hua
Tampines · Course 2
"The section on credit card interest was the most useful thing I have read about money in years. I thought I understood how it worked, but I did not understand the difference between the stated rate and the effective rate, or how rollovers compound. My husband and I cleared a card we had been carrying for four years after finishing week three."
February 2025
Selvaraj Raman
Jurong West · Course 3
"I signed up expecting it to be mostly about savings, but the parts on supporting an ageing parent while managing your own household were actually the most relevant to where I am now. I would have liked slightly more worked examples, but the family conversation guide is something my wife and I have already used twice."
January 2025
Poh Yee Lin
Queenstown · Course 1 & 2
"I finished Course 1 in January and went straight into Course 2. The tone throughout is exactly what I needed — calm, clear, and without any sense that I was being sold something. The TDSR explanation in week five of Course 2 answered a question I had been too embarrassed to ask my bank."
March 2025
Ng Geok Peng
Ang Mo Kio · Course 2
"My renovation loan had been worrying me for two years. The course explained the difference between what I was paying and what I actually owed much more clearly than any letter my bank had ever sent. I also appreciated that the resource directory included Credit Counselling Singapore — I did not know that service existed."
February 2025
Rahimah Binte Salleh
Woodlands · Course 3
"The week on emotional patterns was unexpected. I had not thought of a financial course as something that would address the anxiety I feel when market news comes on. The framing — that anxiety about headlines is common and that returning to what you can actually control helps — was simple but genuinely useful."
April 2025
A closer look at three participants' journeys
These are composite accounts, drawn from participant feedback over several course editions. Names and some details have been changed.
From "somewhere around even" to a clear monthly picture
Starting point
A couple in their late forties who had never sat down to list every monthly outgoing. They knew broadly what came in, but variable and periodic costs were always a surprise.
What they did
Worked through Course 1 together, using the month-by-month tracker for three consecutive months before declaring the picture complete enough to move forward.
After four weeks
For the first time, they had a single page showing all regular income and all outgoings — including the insurance renewals and property tax they had always forgotten to budget for.
"It sounds obvious in retrospect. But writing it all down in one place — using a format that told us what categories to include — was the thing that actually made us do it."
Understanding a renovation loan that had been quietly growing
Starting point
A 53-year-old civil servant who had taken a renovation loan six years earlier and was unsure how much remained outstanding and what the true cost had been.
What they did
Completed Course 2 and used the debt summary worksheet to list every loan, its remaining term, its stated rate, and its effective rate after fees.
Seven weeks later
Had a complete view of their debt picture for the first time. Made a plan to make one additional payment per quarter. Estimated total interest saved: around SGD 2,400 over the remaining loan term.
"The course did not tell me to do anything. It explained how the numbers worked, and I could see for myself what the extra payment would mean."
Building a reserve that holds through large family expenses
Starting point
A 48-year-old professional with a clear monthly picture, but whose household reserve was repeatedly depleted by large expenses — a wedding contribution for a sibling, home appliance replacement, medical bills.
What they did
Completed Course 3 and used the yearly rhythm planner to map out all anticipated large expenses for the next two years, then set a monthly reserve contribution to reach each one before it arose.
Nine weeks later
First time in five years that a large family expense — a parent's medical procedure — did not require them to reduce other spending. The reserve had been in place before the need arose.
"The planner made me think about large expenses before they happened instead of after. That shift was the useful thing."
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