
Budgeting 101
Take the guesswork out of managing your money. Budgeting 101 gives you a clear, supportive path to build a spending plan that actually works for your life—not someone else’s.
Whether you’re just starting out or ready to regain control, this course will help you organize your finances, understand your spending habits, and reduce stress around money.
You’ll learn how to set realistic goals, track your expenses, and use your Mojo Number—a weekly spending guide—to stay on track without stress or spreadsheets.
Build a Budget That Works—On Your Schedule
With Budgeting 101, you’ll get a series of short, easy-to-follow lessons that walk you through the exact steps to build a realistic, sustainable budget. The course includes practical video tutorials, downloadable templates, and the tools you need to finally get your finances organized.
This is a self-paced program designed for real life—bite-sized content, clear guidance, and no fluff.
Plus:

The Financial Clarity Framework
The Financial Clarity Framework is a simple, step-by-step approach to help you take control of your spending and build a budget that fits your real life. Budgeting 101 is built on this foundation—giving you the tools, templates, and structure to feel confident with your money.
You’ll learn exactly how to manage your income, plan for expenses, and stop wondering where your money went.

Create Your Budget Plan
Learn how to calculate and use your Mojo Number to stay consistent and in control.

Track & Organize Spending
Discover how to categorize expenses, identify patterns, and stop leaks in your budget.

Use Real-Life Templates
Access ready-to-use worksheets and spreadsheets that simplify the budgeting process.

Stick With It
Learn realistic strategies to stay consistent—even when life throws a curveball.
Start Your Journey to Financial Clarity Today
Budgeting 101 helps you take the first—and most important—step toward financial freedom: building a spending plan that fits your real life. You’ll learn how to use your Mojo Number to simplify your money, stay on track, and spend with confidence.
No more confusion or guilt—just a clear, proven system that helps you take control.
Budgeting 101 Includes:

What People Are Saying:
“I just completed the Moola Master’s Budgeting 101 Course! One of the best investments I’ve made to figure out where I spend my money. This short, inexpensive and effective course makes it easy and realistic to reach your goals. I’ve made adjustments to get to where I want to be financially. The spending plan and the discretionary spending were key and eye-opening. I highly recommend Moola Masters if you are ready to control your money! “

I’m Dr. Heidi MacVittie
A board-certified OB/GYN, a flight surgeon in the Air National Guard, and founder of Moola Masters, a financial education and coaching platform designed to help driven, high-achieving people like you finally feel in control of their money 💸
With 20+ years in medicine and military leadership, I’ve seen firsthand how financial stress affects even the most capable people. That’s why I combined my medical background with a Master’s in Finance to create actionable, judgment-free systems that turn financial chaos into financial confidence.
I’m also a serial entrepreneur and the proud owner of four businesses across healthcare, real estate, tourism, and financial education. So when I talk about building wealth—I’m walking the talk.
Through Moola Masters, I’ve helped countless clients build real wealth—without sacrificing the life they love. Whether it’s budgeting, investing, or tackling debt, I teach people how to master their money with clarity and confidence.
A few fun facts: I’m a private pilot ✈️, a Boston Marathon medical volunteer 🏃♀️, and I hold a 2nd-degree black belt in Tae Kwon Do and a 1st-degree black belt in Kung Fu 🥋. I believe that financial freedom isn’t just about numbers—it’s about living boldly and making empowered choices every day.
Ready to ditch the stress and start building wealth your way? Let’s do this—together.