Cermat
Spending awareness

Spending Awareness Programmes · Kuala Lumpur

Notice Where Your Money Goes — Calmly

A gentle space to review everyday outgoings, build a steady check-in habit, and make small adjustments that actually stay.

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No Pressure Approach +60 3-2856 7402 [email protected]

What We Offer

Three Ways to Build Spending Clarity

Each programme is designed to meet you where you are — whether you want a single reflection session or a thorough ten-week grounding.

Spending Awareness Workshop

Spending Awareness Workshop

A reflective half-day session helping you notice patterns, sort everyday outgoings, and gently see where adjustments might help — without any pressure.

  • 3-hour half-day format
  • Review worksheet & category guide
  • Calm group reflection

RM 470

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Notice and Adjust Programme

Notice and Adjust Programme

Five weekly sessions that guide you to build a steady review habit, spot small leaks calmly, and make gradual changes that feel right for you.

  • 5 weekly sessions
  • Review journal & support circles
  • Weekly prompts & check-in toolkit

RM 1,500

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Spending Awareness Foundations Course

Spending Awareness Foundations Course

A comprehensive ten-week course covering review routines, categorisation, gentle adjustment, and using tracking tools at a general educational level.

  • 10 sessions over 10 weeks
  • Workbooks, clinics & ongoing access
  • Awareness reference pack included

RM 3,750

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Why Cermat

A Different Kind of Spending Review

Non-Judgemental Framework

Every session is designed around reflection, not criticism. You are the observer of your own patterns.

Structured Awareness Tools

Category guides, review journals, and check-in toolkits give tangible structure to what can feel abstract.

Small, Supportive Groups

Learning alongside a small circle of peers makes the process feel shared rather than solitary.

Habit-Friendly Pacing

Weekly session rhythms are spaced to let new awareness settle before the next layer is introduced.

Kuala Lumpur Based

Sessions are held in person at our Mid Valley City location — a calm, comfortable environment built for reflection.

Three Clear Entry Points

From a single half-day to a ten-week course — choose the depth that fits your current season of life.

Ready When You Are

A Clearer Picture of Your Spending Starts Here

Reach out to find out which programme fits your pace. There is no rush and no obligation — just a conversation.

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+60 3-2856 7402 [email protected]

Common Questions

Frequently Asked

What are these programmes actually about?
Cermat's programmes are financial education and information sessions — not regulated financial advice. They help participants notice and understand their personal spending patterns through structured exercises, reflection activities, and awareness tools.
Do I need any prior knowledge to join?
No background or preparation is needed. The Workshop and the Notice and Adjust Programme are suited to anyone at any starting point. The Foundations Course is designed for those who want a thorough understanding — still accessible to complete beginners.
Will I have to share my personal finances with others?
Not at all. Sharing is always voluntary. Group activities use general categories rather than personal amounts. You will never be asked to disclose specific figures — the focus is on patterns and categories, not balances.
Where are the sessions held?
All in-person sessions take place at our office at Level 10, Menara Southpoint, Mid Valley City, 59200 Kuala Lumpur. The venue is easily accessible by LRT (Abdullah Hukum station) and has parking available.
How do I choose between the three programmes?
The Workshop (RM 470) is a good starting point if you want a low-commitment introduction. The Notice and Adjust Programme (RM 1,500) suits those ready to build a consistent weekly habit. The Foundations Course (RM 3,750) is for those who want a thorough, structured grounding over ten weeks. We are happy to discuss your situation — just reach out.
What does each programme cost and what is included?
The Workshop is RM 470 and includes the session, a review worksheet, and a category guide. The Notice and Adjust Programme is RM 1,500 and covers five sessions plus a review journal, support circles, weekly prompts, and a check-in toolkit. The Foundations Course is RM 3,750 for ten sessions, workbooks, clinic access, ongoing material access, and an awareness reference pack.

Find Us

Our Location

Level 10, Menara Southpoint, Mid Valley City, 59200 Kuala Lumpur

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Get in Touch

We are here to answer any questions at your pace. No pressure, no rush.

Contact Details

Address

Level 10, Menara Southpoint,
Mid Valley City,
59200 Kuala Lumpur

Office Hours

Monday – Friday: 9:00 AM – 6:00 PM
Saturday: 9:00 AM – 1:00 PM
Sunday & Public Holidays: Closed

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