Learning Programs
Three Ways to Understand Your Household Cash Flow
From a self-paced introduction to a full 11-week program — Flowry offers the depth of learning that suits your household's situation right now.
Back to HomeHow Our Programs Are Structured
Every Flowry program uses the same River Map methodology — a five-step framework for mapping household cash flow. What differs across programs is the level of support, the format, and the depth of material covered.
The Foundations Course introduces the core concepts at a comfortable pace. The Monthly Money Workshop deepens the practice in a live small-group setting. The Complete Program integrates all elements over 11 weeks with facilitator check-ins and community support built in throughout.
All programs are delivered as general household cash flow education. No program constitutes, or replaces, regulated financial advice.
Self-Paced Course
~3 weeks
Small Group Workshop
5 weekly sessions
Complete Program
11 weeks
Education Only
No financial advice
Program 1
Cash Flow Foundations Course
A self-paced course explaining how money typically flows through a household each month and how to map inflows and outflows clearly. Covers spotting timing gaps, planning for irregular expenses, and building a simple monthly picture. Written for beginners with practical worksheets. Educational only.
- Map all inflows and outflows in one clear picture
- Identify timing gaps before they cause shortfalls
- Plan for lumpy and irregular expenses in advance
- Practical worksheets included — no spreadsheet skills needed
How This Course Works
- 1.Access course materials at your own pace online
- 2.Work through each module with the accompanying worksheet
- 3.Build your household's first monthly flow map
- 4.Use the pinch-points checklist to spot upcoming gaps
Program 2
Managing Monthly Money Workshop
A structured small-group workshop that helps participants build a repeatable routine for tracking cash flow and smoothing out uneven months. Covers planning for lumpy costs, setting aside buffers, and reviewing patterns over time. Facilitated with exercises and shared discussion.
- Build a repeatable monthly cash flow routine
- Set aside buffers for uneven and lumpy months
- Learn from shared peer discussion in small groups
- Facilitated exercises — no lecture-style passive learning
- Access community channel throughout the 5 weeks
Workshop Session Structure (5 Weeks)
- Wk 1Mapping your current household flow picture
- Wk 2Identifying your personal pinch-point periods
- Wk 3Planning buffers for irregular outflows
- Wk 4Building a simple monthly review habit
- Wk 5Pulling it together — your ongoing cash flow routine
Program 3 — Most Comprehensive
Complete Household Cash Flow Program
A comprehensive program combining modules, live sessions, and a toolkit for households that want a thorough approach to managing money movement. Covers mapping systems, buffer planning, and reviewing habits, with facilitator check-ins and community support throughout all 11 weeks.
- Full River Map toolkit for your household
- Regular facilitator check-ins throughout the 11 weeks
- Live sessions combined with self-study modules
- Community peer group access for full program duration
- Buffer planning, review habits, and long-term routines
Program Journey (11 Weeks)
- Wks 1–3Foundations — mapping your complete household flow
- Wks 4–6Analysis — pinch-points, buffers, and irregular expenses
- Wks 7–9Systems — building repeatable monthly management habits
- Wks 10–11Review and integration — your ongoing household plan
Choose the Right Program
A side-by-side comparison to help you decide which program suits your household's current needs.
| What's Included | Foundations RM 480 |
Monthly Workshop RM 1,680 |
Complete Program RM 2,900 |
|---|---|---|---|
| River Map methodology | |||
| Take-home worksheets | |||
| Self-paced online access | |||
| Live facilitated sessions | |||
| Small group peer discussion | |||
| Facilitator check-ins | |||
| Community channel access | |||
| Full toolkit (incl. expense calendar) | |||
| Best for… | First-time learners or those with a tight schedule | Those who learn better with others | Households wanting a thorough, guided approach |
Shared Standards Across All Programs
Every Flowry program — regardless of format — is held to the same standards.
Data Privacy
Learner data handled under Malaysia's PDPA 2010. No personal data shared for marketing.
Quality Review
Content reviewed every 6 months and updated based on learner feedback and current data.
No-Advice Policy
All content is education only. Facilitators are trained to maintain a clear no-advice boundary.
Feedback Loop
Every program ends with structured feedback collection, used directly to improve the next intake.
Program Pricing
Clear, transparent pricing in Malaysian Ringgit. Contact us to discuss availability and enrolment.
Foundations Course
RM 480
Self-paced · ~3 weeks
- Online self-paced access
- River Map methodology
- Beginner worksheets
- Pinch-points checklist
Monthly Workshop
RM 1,680
Live sessions · 5 weeks
- 5 live facilitated sessions
- Small group peer discussion
- Buffer planning exercises
- Community channel access
Complete Program
RM 2,900
Full program · 11 weeks
- All modules + live sessions
- Full toolkit included
- Facilitator check-ins
- Community support
Not Sure Which Program to Choose?
Send us a message and we'll help you work out which option makes the most sense for your household's situation — no obligation to commit at that point.
Talk to Us