Three courses. Three working tools.
Each programme is built around a single, concrete outcome. You leave with something you can use immediately — not a folder of notes.
← Back to HomeHow the courses are structured
Every Hearthroot course follows the same fundamental approach: start with what the participant already has, work through it systematically in a small group, and assemble one finished, practical tool by the final session. There are no hypothetical exercises. Participants bring their own documents and work on those.
Sessions are spaced a few days to a week apart, which gives participants time to gather additional documents, reflect on what came up in the previous session, and arrive at the next one with questions rather than confusion.
Orientation session
Every course begins with a session that explains the structure, tells participants what documents to bring, and establishes the group's pace.
Working sessions
Middle sessions focus on practical document work — reading, annotating, sorting, and building the component parts of the final output.
Assembly and review
The final session brings everything together, produces the finished tool, and allows time for questions about applying it going forward.
Bills, Renewals & the Yearly Calendar
A three-week practical course for adults who would like to bring order to the annual rhythm of household bills, insurance renewals, road tax, festive expenses, and recurring family obligations. Participants assemble a single household calendar that anticipates the next twelve months, with clear notes about expected amounts and likely review points.
The course is small in scope on purpose. The aim is one clean tool that lasts. It is suitable for households with a single earner or two, and for adults newly responsible for paperwork after a life change such as retirement or bereavement.
What you leave with:
- A completed twelve-month household calendar covering your actual bills and obligations
- A printable yearly planner template for use in future years
- Email follow-up support for questions after the course ends
- A framework for estimating the year ahead at any future planning point
Session sequence:
- 1Document gathering — what to collect and how to categorise it
- 2Mapping the annual cycle — recurring obligations and their timing
- 3Completing the calendar and setting up the annual review habit
Reading Your Bank & Card Statements with Fresh Eyes
A five-session course that walks participants through reading their own bank statements, credit-card summaries, and loan schedules in ways most people are never taught. Lessons cover spotting silent fee increases, understanding the actual cost of revolving credit rather than the headline rate, recognising recurring authorisations one had forgotten about, and distinguishing genuinely useful protections from optional add-ons that quietly deplete account balances.
The tone is practical and the worksheets are short. Annotated example statements are provided alongside participants' own documents so that unfamiliar line items can be decoded by comparison.
What you leave with:
- Annotated copies of your own statements with key items identified
- A working checklist for reviewing any statement in future
- Clear understanding of what each section of a Malaysian bank statement means
- Annotated example statements for ongoing reference
Session sequence:
- 1Understanding the structure of a bank statement
- 2Fees, interest, and the true cost of credit
- 3Recurring authorisations and forgotten subscriptions
- 4Insurance add-ons and optional deductions
- 5Building a monthly review habit
Building the Household Reference Folder
A nine-module course for adults who would like to leave a single, complete reference folder for their household — useful both to themselves over the coming decades and to a partner or executor when it is eventually needed. Lessons cover what to include, how to organise it physically and digitally, how often to review it, and how to discuss its existence with the people who may one day need it.
Topics covered include account summaries, EPF and insurance schedules, property deeds, business interests, password records held safely, and intentions for digital assets. A comprehensive folder template is provided and assembled during the course.
What you leave with:
- A completed household reference folder — physical and digital components
- A comprehensive folder template for future updates
- An annual review schedule tailored to your document categories
- Guidance on how to communicate the folder's existence to a trusted person
Module sequence (abbreviated):
- 1What a reference folder is for and who needs it
- 2Banking and account documentation
- 3EPF, SOCSO, and pension records
- 4Insurance and Takaful schedules
- 5–7Property, business interests, and digital assets
- 8Physical and digital organisation systems
- 9Review schedule and communicating the folder to family
Comparing the three programmes
| Feature | Bills & Calendar | Statements Course | Reference Folder |
|---|---|---|---|
| Duration | 3 weeks | 5 sessions | 9 modules |
| Fee | RM 690 | RM 1,150 | RM 2,150 |
| Printable planner included | — | — | |
| Works on your own bank statements | — | ||
| Covers EPF and insurance records | — | — | |
| Digital asset guidance | — | — | |
| Email follow-up included | — | — | |
| Household attendance welcome |
Best for:
Bills & Calendar — adults who want to feel less surprised by annual expenses
Best for:
Statements Course — adults who suspect they are paying more than they should
Best for:
Reference Folder — adults who want their affairs in clear, lasting order
Standards that apply to every programme
Privacy by default
No financial information is collected or retained by Hearthroot. Documents handled during sessions are taken home by participants at the end of each class.
Maximum 8 participants
Group size is capped at eight for every intake, without exception. This preserves a pace and atmosphere that cannot be maintained in larger groups.
Materials updated annually
Course worksheets and annotated examples are reviewed each year against current Malaysian bank formats, EPF changes, and insurance regulation.
No product referrals
Hearthroot has no commercial arrangement with any bank, insurer, or investment platform. Courses are not followed by any sales or referral activity.
Official receipts issued
Course fees are receipted as a registered education provider. Participants receive an official receipt which may be relevant for tax purposes.
Feedback shapes every intake
Written feedback is collected at the end of every course. Adjustments to content and delivery are made based on participant responses, not internal assumptions.
Straightforward pricing, all materials included
Fees cover every worksheet, template, and printed material used during the programme. No additional costs.
RM 690
per person · 3-week programme
- 3 sessions over 3 weeks
- Printable yearly planner
- Email follow-up support
- All printed materials
RM 1,150
per person · 5-session programme
- 5 sessions spaced over 5 weeks
- Annotated example statements
- Short, focused worksheets
- All printed materials
RM 2,150
per person · 9-module programme
- 9 modules over 9–10 weeks
- Comprehensive folder template
- Household attendance welcome
- Instalment payment available
Ask us — we are glad to help you decide
Send a short message describing your situation and we will suggest the programme that fits best. No obligation either way.
Send an Enquiry