Seasonal Budget Mastery Program
Learn to adapt your financial planning throughout the year. This six-month program starts February 2026 and teaches practical approaches for managing money across different seasons and economic shifts.
Request InformationProgram Structure
Six focused modules building from foundation to advanced seasonal financial techniques
Foundation Phase
Start with core budgeting concepts and understand how seasonal patterns affect personal and household finances in Bulgaria's economic context.
4 weeks · Weekly sessions
Winter Financial Planning
Navigate holiday spending, heating costs, and year-end financial decisions. Learn to prepare for the most expensive season without derailing your goals.
3 weeks · Hands-on worksheets
Spring Budget Recovery
Strategies for bouncing back after winter expenses. Set up systems that account for tax season and prepare for summer planning.
3 weeks · Practice scenarios
Summer Adjustments
Manage vacation costs, utility changes, and mid-year financial reviews. Work with real examples from Bulgarian households.
4 weeks · Case studies
Autumn Planning
Prepare for the year ahead with back-to-school costs, harvest season opportunities, and pre-winter preparations that set you up well.
3 weeks · Planning tools
Annual Integration
Connect all seasonal strategies into one cohesive approach. Build your personalized 12-month financial roadmap with built-in flexibility.
3 weeks · Capstone project
Your Learning Journey
Getting Started
We begin with your current situation. No judgment, just honest assessment of where you are right now with seasonal spending patterns.
- Track spending across different times of year
- Identify your personal high-cost seasons
- Understand income fluctuations if applicable
Building Systems
Next, you'll create practical systems that work with your life, not against it. We focus on methods you can actually maintain.
- Set up seasonal savings accounts
- Create buffer zones for unexpected costs
- Develop quarterly review habits
Applying Knowledge
You'll work through real scenarios based on actual cases from Bulgarian households. This is where theory becomes practical skill.
- Handle seasonal emergencies without panic
- Adjust plans when life changes mid-year
- Balance competing seasonal priorities
Long-Term Planning
Finally, connect seasonal tactics to your bigger financial picture. This program helps you think beyond just the next few months.
- Plan multi-year seasonal strategies
- Prepare for predictable life changes
- Build resilience into your financial approach
Learn Together
This isn't a solo journey. You'll work alongside others facing similar challenges, which makes the whole process more realistic and honestly more helpful.
Group sessions happen every other week. Between those, you'll have smaller peer groups for questions and support. And yeah, you can reach instructors directly when you're stuck.
Peer Reviews
Share your seasonal plans with others and get feedback from people who understand the Bulgaria context.
Group Projects
Work through complex seasonal scenarios together, combining different perspectives and approaches.
Discussion Forums
Ask questions anytime. Someone in your cohort has probably dealt with something similar.
Study Partners
Match with someone at a similar skill level for accountability and mutual support throughout the program.
Who Teaches This Program
Our instructors have spent years working with real people on budget challenges. They know the theory, but more importantly, they understand how things actually work in practice.
Mirela Kostova
Lead Instructor
Mirela spent twelve years as a financial counselor in Sofia before joining our team. She specializes in helping people who've tried budgeting before and found it didn't stick. Her approach is practical and forgiving.
Svetlana Ivanova
Seasonal Finance Specialist
Svetlana developed most of our seasonal adjustment frameworks based on her research into Bulgarian household spending patterns. She leads the advanced modules and helps students build personalized year-round strategies.
Assessment Approach
We don't do traditional tests. Instead, you'll build a working budget system throughout the program that gets refined as you learn.
Each module ends with a practical assignment where you apply what you've learned to your own finances or a realistic case study. By the end, you'll have a complete seasonal financial plan you can actually use.
Feedback comes from both instructors and peers, which gives you different perspectives on what works and what might need adjustment.
Ask About Enrollment