Programmes
Three programmes, one clear direction
Whether you have a free half-day or want to build a thorough understanding over eleven weeks, Belanjo has a programme sized to where you are right now.
Back to HomeOur Approach
How Belanjo programmes are built
Each Belanjo programme follows the same underlying arc: first, map how your income actually moves across the year; second, identify what a sensible buffer looks like for your particular mix of clients and expenses; third, build a tracking habit that fits your real life rather than an ideal spreadsheet.
The difference between the three programmes is depth and pace. The Workshop covers the arc in a single half-day. The Planning Programme spreads it across six weeks with peer circles and journal work. The Foundations Course adds a broader educational layer — covering expense categories, common financial products, and income-smoothing techniques — across eleven weeks.
Map your income pattern
Understand the peaks, the quiet months, and the realistic average across your freelance year.
Set a buffer target
Calculate a realistic reserve figure based on your own expenses — not a generic rule of thumb.
Build a tracking habit
Simple, sustainable approaches to watching where money goes without spreadsheet overload.
Review and adjust
Multi-week programmes include check-in sessions to revisit earlier work with fresh data.
Programme 01
Freelance Cash Flow Workshop
A practical half-day workshop helping freelancers smooth uneven income, plan for quiet months, and set aside a simple buffer. Built for self-employed people with variable earnings. Four hours with an income-flow worksheet and a buffer planner — filled with your own numbers during the session. Includes worked examples from everyday freelance life in Malaysia.
What you cover
- Reading your income pattern across recent months
- Identifying what a quiet month means for your specific expenses
- Calculating a first buffer target using your own figures
- Worked examples from Malaysian freelance scenarios
- Take-home income-flow worksheet and buffer planner
How the session runs
- 01 Introduction — the tide model of freelance income (30 min)
- 02 Mapping your own recent income pattern (45 min)
- 03 Identifying your expense baseline and quiet-month gap (45 min)
- 04 Buffer planner exercise — setting your first target (60 min)
- 05 Questions, review, and take-home plan (30 min + 10 min break)
Programme 02
Steady Income Planning Programme
A structured six-week programme guiding freelancers to map income patterns, plan reserves, and budget calmly across both busy and quiet periods. Suited to those who want to build a dependable rhythm rather than just understand the concept. Six sessions with a planning journal, small freelancer circles, and review check-ins. The buffer toolkit is included.
What you cover
- Building a twelve-month income picture with your own data
- Planning reserves across two timescales — short and medium
- Budgeting calmly for both high and low months
- Freelancer circles — peer discussion of real situations
- Planning journal and buffer toolkit included
Programme structure
- W1 Income patterns — reading your own tide
- W2 Expense mapping and baseline setting
- W3 Reserve planning — the layered buffer model
- W4 Budgeting across uneven months — freelancer circles session
- W5 Tracking habits that stick
- W6 Review check-in and planning journal completion
Programme 03
Freelance Finance Foundations Course
A comprehensive eleven-week course covering income smoothing, reserve planning, expense tracking, and understanding common financial products available to the self-employed in Malaysia — at a general educational level. Designed for freelancers who want a thorough grounding rather than a quick orientation. Eleven sessions with workbooks, clinics, ongoing material access, and a complete freelancer finance toolkit.
What you cover
- Income smoothing principles and applications
- Reserve planning at three timescales
- Expense category frameworks and tracking methods
- Overview of common financial products for self-employed Malaysians (general education only)
- Workbooks, clinics, ongoing material access, and freelancer finance toolkit
Course structure highlights
- W1–3 Foundation block: income patterns, expense mapping, buffer basics
- W4–7 Planning block: reserve strategies, tracking systems, freelancer circles
- W8–10 Broader context: common financial products overview, reading product materials (general education)
- W11 Integration clinic: pulling all workbook sections together
Compare
Which programme is right for you?
Use this table to match a programme to your current situation and goals.
| Workshop RM 530 |
Planning Programme RM 1,820 |
Foundations Course RM 4,250 |
|
|---|---|---|---|
| Best for… | Quick, focused introduction | Building a steady rhythm over weeks | Thorough grounding from scratch |
| Duration | Half-day (4 hrs) | 6 weeks | 11 weeks |
| Income-flow worksheet | |||
| Buffer planner | |||
| Planning journal | |||
| Freelancer circles (peer discussion) | |||
| Financial products overview (general education) | |||
| Ongoing material access |
Standards
Shared standards across all programmes
Participant data protection
Enrolment data is stored securely and used only for programme administration. It is not shared with third parties for marketing purposes.
Clear educational scope
All sessions provide general financial education only. No session includes personalised financial, investment, or legal advice in any form.
Annually reviewed materials
Worksheets and content references are reviewed each year. Participants always receive the most current version of programme materials.
Small cohort limits
All programmes cap attendance to maintain quality. The Workshop: 20 participants. Planning Programme and Foundations Course: 12 participants per cohort.
Responsive support
Questions submitted by email to [email protected] are answered within one business day. Session-related queries are addressed by facilitators directly.
Flexible rescheduling
Fees are held as credit for up to six months if you need to reschedule. Cancellations with seven or more days notice can transfer to any future cohort.
Pricing
Clear, all-inclusive pricing
One payment covers everything — materials, worksheets, toolkits, and sessions. No add-ons.
Workshop
RM 530
Per participant · Half-day
- 4-hour session
- Income-flow worksheet
- Buffer planner
- Worked Malaysian examples
Planning Programme
RM 1,820
Per participant · 6 weeks
- 6 weekly sessions
- Planning journal
- Buffer toolkit
- Freelancer circles
- Review check-ins
Foundations Course
RM 4,250
Per participant · 11 weeks
- 11 weekly sessions + clinics
- Full workbook series
- Ongoing material access
- Freelancer finance toolkit
- Financial products overview (general education)
Ready?
Pick a programme and reserve your place
Cohort sizes are small. Get in touch to check availability for the next round of sessions.
Get in Touch