OUR PROGRAMS
Programs Designed
for Real Financial Life
Three structured programs, each grounded in the Malaysian financial context. Browse the details, compare formats, and find the one that fits where you are right now.
Explore Programs
Budgeting & Cash Flow Mastery
A hands-on program guiding participants through practical budgeting techniques suited to Malaysian living costs and financial norms. Learners work with real-life spending scenarios, build personalised budget templates, and develop strategies for managing irregular income or expenses. The program emphasises sustainable habits rather than rigid rules, encouraging participants to find approaches that fit their lifestyle.
Duration
6 sessions / 3 weeks
Per Session
90 minutes each
Included
Spreadsheet toolkit
Support
Peer accountability pairs
Investment
RM 450
Tax & Compliance Awareness
This program demystifies the Malaysian tax landscape for individuals and sole proprietors. Participants gain a clear understanding of income tax obligations, allowable deductions, relief categories, and filing procedures with LHDN. The curriculum also introduces basic compliance concepts for freelancers and small business owners. All content is presented in plain language with step-by-step walkthroughs.
Duration
4 sessions / 2 weeks
Per Session
2 hours each
Included
Annotated tax forms
Included
Annual filing checklist
Investment
RM 680
Strategic Savings & Goal Planning
A workshop-style offering that helps participants design a savings architecture aligned with their short-term and long-term aspirations. Topics include emergency fund sizing, goal-based savings allocation, fixed deposit laddering, and an introduction to Tabung Haji and ASB considerations. Participants leave with a personalised savings roadmap and clarity on which instruments may suit their objectives.
Format
3 Saturday sessions
Per Session
3 hours each
Included
Personalised savings roadmap
Follow-up
30-day email guidance
Investment
RM 950SIDE-BY-SIDE
Program Comparison
A quick look at what each program covers and what it includes.
| Feature | Budgeting & Cash Flow RM 450 |
Tax & Compliance RM 680 |
Savings & Goal Planning RM 950 |
|---|---|---|---|
| Sessions | 6 | 4 | 3 |
| Duration | 90 min / session | 2 hrs / session | 3 hrs / session |
| Timeframe | 3 weeks | 2 weeks | 3 Saturdays |
| Spreadsheet Toolkit | |||
| Peer Accountability Pairs | |||
| Annotated Tax Forms | |||
| Annual Filing Checklist | |||
| Personalised Savings Roadmap | |||
| 30-Day Email Follow-up | |||
| Malaysian Context | |||
| Product-Neutral Guidance |
HOW WE DELIVER
Our Delivery Standards
Every program at Ledgora is designed and delivered with the same commitment to quality and participant experience.
Malaysian Context Throughout
All examples, data, and scenarios are drawn from local financial realities — EPF, LHDN, ASB, Tabung Haji, and everyday Malaysian spending patterns.
Product-Neutral Education
We do not promote specific financial products or carry commercial relationships with any bank, fund, or insurer. Our guidance reflects what makes sense for participants.
Small Group Sizes
We deliberately limit enrolment to keep sessions interactive and allow facilitators to address individual questions and circumstances meaningfully.
Take-Home Materials
Every program includes practical reference materials participants can use after the sessions — templates, checklists, and roadmaps that remain relevant over time.
Regularly Updated Content
Tax regulations, contribution limits, and financial instruments change. We review and update our curriculum on a rolling basis to reflect current conditions.
Welcoming, Judgement-Free Environment
Whether you are starting from scratch or revisiting the basics, our sessions are designed to be approachable and comfortable for participants at any stage.
Not Sure Which Program to Start With?
Our team is glad to help you think through which program aligns best with where you are and what you'd like to work on. Reach out — no pressure at all.