Our Programmes
Three Ways to Work on Household Money with Ledgerow
From a focused one-session workshop to an ongoing membership and a full multi-session programme — there's a starting point for every household.
← Back to HomeOur Methodology
How Ledgerow Programmes Are Structured
Every Ledgerow session follows the same core sequence: map, categorise, plan, review. Households first get a clear picture of income and outgoings, then work on organising spending categories, then set a short horizon of shared targets, then review what's working. The sequence is simple enough to repeat independently.
Facilitators guide the process but don't do it for participants. The goal is for households to leave each session with completed tools they own — not worksheets that belong to the facilitator.
All content reflects Malaysian household patterns — seasonal costs, EPF planning cycles, school fees, and festive budgeting — so the material connects to real life rather than textbook examples.
Map
Lay out all household income and regular outgoings on a single shared template.
Categorise
Organise spending into labelled categories — essentials, discretionary, seasonal, and savings targets.
Plan
Set shared household targets for the coming month or season, with realistic, agreed figures.
Review
Revisit at the end of each period: what tracked, what shifted, what to adjust next time.
Programme 01
Family Planning Session
A relaxed, small-group session helping households map monthly income and outgoings together, with simple shared templates and practical conversation prompts for couples and families. This is the most focused option — a single session, a clear output, and a plan to take home the same day.
- Monthly income and outgoings map — completed in-session
- Household spending categories worksheet
- Couple and family conversation guide
- Printable and digital template copies
- Maximum eight households per session
Duration
Half-day (approx. 3.5 hrs)
Format
In-person, small group
Pricing
RM 460 per household
Programme 02
Household Toolkit Membership
Ongoing access to a structured set of household planning resources — monthly and seasonal planners, a shared-budget spreadsheet template, and a supportive community space for everyday household money questions. The membership is designed for households who want consistent tools and a place to ask questions throughout the year, not just at one moment.
- Monthly planner and bill-tracking template
- Malaysian seasonal budget calendar
- Shared household budget spreadsheet
- Access to community Q&A space
- New seasonal planning tips added quarterly
Access
Ongoing (no expiry)
Format
Digital tools + community
Pricing
RM 1,580 per household
Programme 03
Whole-Household Education Programme
A structured, multi-session programme covering household budgeting foundations, saving for shared goals, and organising bills and records. Participants receive reviewable session materials and a certificate of attendance on completion. This is the most comprehensive option — suited for households who want to develop a lasting system from the ground up.
- 6–8 sessions spread over 6–8 weeks
- Household budgeting and spending systems
- Shared-goals planning module
- Bill and records organisation
- Reviewable session materials
- Certificate of attendance on completion
Duration
6–8 sessions over 6–8 weeks
Format
In-person, small group
Pricing
RM 4,300 per household
Choose Your Path
Which Programme Fits Your Household?
| Feature | Family Session | Toolkit Membership | Full Programme |
|---|---|---|---|
| In-person facilitated session | — | ||
| Household budget map template | |||
| Community Q&A access | — | — | |
| Multi-session structured learning | — | — | |
| Certificate of attendance | — | — | |
| Seasonal planning calendar | — | ||
| Price (per household) | RM 460 | RM 1,580 | RM 4,300 |
| Best for | First-time household planners | Households who want ongoing support tools | Building a long-term household money system |
Across All Programmes
What Stays Consistent
Participant Confidentiality
All session content is private. No personal financial information is recorded or shared beyond the session group.
Education, Not Advice
Ledgerow provides educational frameworks and tools — not financial, legal, or investment advice requiring professional licensing.
Experienced Facilitators
All sessions are led by trained adult educators with community facilitation backgrounds — not financial product representatives.
Small Group Sizes
In-person sessions are capped at eight households, ensuring each household gets meaningful facilitation time and a personal setting.
Malaysian Context
All templates, examples, and conversation prompts are built around Malaysian household patterns, not imported frameworks.
Household-Owned Outputs
Everything you complete in a session belongs to your household. Templates and tools are yours to continue using independently.
Fees
Clear, Per-Household Pricing
All prices are per household — not per person. No hidden materials fees.
Programme 01
Family Planning Session
RM 460
per household · one session
- Household budget map template
- Conversation guide for couples
- Printable & digital copies
- Half-day session (~3.5 hrs)
Programme 02
PopularToolkit Membership
RM 1,580
per household · ongoing access
- Monthly & seasonal planners
- Shared-budget spreadsheet
- Community Q&A space
- Quarterly planning updates
Programme 03
Whole-Household Programme
RM 4,300
per household · 6–8 sessions
- Full curriculum, 6–8 weeks
- Bill & records organisation
- Shared goals module
- Certificate of attendance
Not Sure Where to Start?
Drop us a message or give us a call. We'll ask a few questions about your household situation and suggest the most sensible starting point — with no pressure to commit.
Get in Touch