OUR PROGRAMMES
Three Ways to Build Better Money Conversations
From a first gentle session to a structured multi-week programme — choose the level of depth that suits you both right now.
Back to HomeHOW WE WORK
The Two Ledgers Methodology
Every Florinora programme is built around the same underlying principle: before couples can plan together, they need to be able to talk together. We call this the Two Ledgers approach — looking at each partner's individual relationship to money, and at the shared view they're building together.
Sessions move at a pace that works for both people. We don't push or pressure. Our facilitators guide conversations with structure, but there's always room for the specific situation a couple brings to the table.
All three programmes share this methodology at their core — the difference is depth, duration, and the tools included.
Individual + Shared View
Conversation Before Numbers
Neutral Facilitation
Practical Take-Home Tools
PROGRAMME 01
Couples Money-Talk Session
A relaxed, two-hour facilitated session that gives both partners plain-language ways to discuss money, set shared goals, and plan together kindly. Ideal for couples who want a low-pressure starting point — a single, structured conversation with someone to guide it.
The session uses the Two Ledgers Framework and includes a conversation prompt set and a shared-goals worksheet to walk away with something concrete.
- Conversation prompts and templates included
- Shared-goals worksheet walkthrough
- Available in-person (Alor Setar) or online
- Both partners participate equally
How the session runs:
Brief individual check-in — each partner shares their current relationship to money (15 min)
Facilitated joint conversation using guided prompts (60 min)
Shared-goals worksheet — both partners fill in and compare (30 min)
Debrief and takeaway actions agreed between the couple (15 min)
PROGRAMME 02
Couples Toolkit & Community
A self-paced bundle of practical tools — shared planners, a joint-budget spreadsheet, and community access for everyday questions about managing money as a pair. Built for couples who want a resource they can return to again and again, not just a one-off session.
The community gives you a space to ask questions alongside other Malaysian couples navigating similar planning conversations.
- Ready-to-use joint budget spreadsheet (editable)
- Monthly planning templates for couples
- Conversation prompt card set (digital)
- Community forum access with facilitated Q&A threads
- Plain-language money glossary reference guide
PROGRAMME 03
Partners Planning Programme
A multi-session general-education programme covering how to communicate about money and plan shared goals together — with group discussions alongside other couples, structured session content, and a certificate of attendance at the end.
This is our most structured offering. It's suited to couples who want to go beyond a single conversation and build a durable approach to shared financial planning — at their own level, without financial advice.
- Multiple live group sessions (schedule shared on enrolment)
- Certificate of attendance on completion
- Shared-goals workbook and all session resources
- Group discussion with other couples in a facilitated setting
- Available in-person or online
Programme structure at a glance:
Foundations — individual money stories and the couple's shared context
Communication tools — frameworks for ongoing money conversations
Joint planning basics — working with a shared budget and setting goals
Navigating differences — handling disagreements about money with care
Looking ahead — building habits and regular check-in routines as a couple
CHOOSE YOUR PATH
Which Programme Suits You?
Use this overview to find the right starting point. There's no wrong choice — you can always build from one programme to the next.
| What's Included | Money-Talk Session RM 480 |
Toolkit & Community RM 1,480 |
Planning Programme RM 4,200 |
|---|---|---|---|
| Live facilitated session | |||
| Conversation prompt cards | |||
| Joint budget spreadsheet | |||
| Community access | |||
| Multi-session structured content | |||
| Certificate of attendance | |||
| Best for... | First conversation, low commitment | Self-paced learners who want tools | Couples ready for structured depth |
ACROSS ALL PROGRAMMES
Consistent Standards We Maintain
Confidentiality Agreement
All participants agree to a mutual confidentiality standard at the start of each programme. What's discussed stays private.
PDPA Compliance
Participant data is handled in accordance with Malaysia's Personal Data Protection Act 2010. We collect only what we need.
Trained Facilitators
Every session is delivered by a facilitator with formal training in adult education and group facilitation methodology.
No Financial Advice
Florinora programmes are general education. We do not give investment, tax, or regulated financial advice at any point.
Post-Session Feedback
We gather structured feedback after every session to continuously improve content, pacing, and facilitation quality.
Rescheduling Policy
Life happens. Sessions can be rescheduled with at least 48 hours' notice at no additional charge.
TRANSPARENT PRICING
All Prices Are Per Couple
No per-person doubling, no hidden fees. What you see is what you pay — for both of you.
SESSION
Money-Talk Session
RM 480
per couple · single session
- ~2 hours facilitated
- Prompt cards & worksheet
- In-person or online
TOOLKIT
Toolkit & Community
RM 1,480
per couple · full access
- Budget spreadsheet
- Monthly planning templates
- Community access
- Conversation prompt deck
PROGRAMME
Planning Programme
RM 4,200
per couple · full programme
- Multi-session programme
- Group discussion format
- Workbook & resources
- Certificate of attendance
NOT SURE WHERE TO START?
Just Send Us a Message
Tell us a little about where you and your partner are, and we'll point you to the programme that fits best. No pressure, no sales pitch.
Contact Florinora