Three Programmes, Three Distinct Situations
Each programme at Stepwise House is designed for a specific point in a household's financial life. None of them tries to cover everything.
Back to HomeHow Our Programmes Are Structured
All three programmes follow a similar foundational method: they begin with a listening session, work through the educational content at the household's pace, and conclude with a clear record of what was covered. The facilitator does not direct the household towards any product or service.
The programmes differ in scope, duration, and the financial question they address. They are not a progression — a household can enter at any of the three depending on what is most relevant to their current situation.
Duration
1 month to 4 months depending on programme
Format
One-to-one sessions, studio or online
Language
English, with Malaysian terminology explained
One Small Step Programme
For adults who feel that they 'should' have better financial habits but find large reforms difficult to sustain. The programme focuses on choosing one small, realistic step in the participant's household finances — a single standing instruction, one quiet monthly review, or one small habit of reading a statement — and building it into comfortable practice over a single month. No larger reforms are attempted.
- Suitable for adults at any starting point
- Two sessions, one selected habit, one month
- In-studio (Shah Alam) or online
- No prior financial knowledge required
Session steps
Programme fee
RM 460
Careful Borrower Programme
For adults who are considering borrowing — for a first home, a larger car, or a household renovation — and would like to understand the obligations and considerations involved before making the decision. The programme educates and does not refer clients to any lender.
- Amortisation schedules explained
- Monthly instalment interactions with household cash flow
- Loan document language and structure
- Down-payment, fees, and loan duration effects
Four session structure
Programme fee
RM 1,720
Terraced Plan Engagement
A four-month engagement producing a simple written plan structured as three deliberate 'terraces' — one for the coming twelve months, one for the second and third year, and one for the broader five-year horizon. The deliverable is a short printed document the household keeps as a working reference.
- Listening session, three working sessions, one closing session
- Printed household reference document included
- Three time horizons: 12 months / 2–3 years / 5 years
- Payment in two instalments available
Engagement structure
Programme fee
RM 4,250
Choosing the Right Programme
Use this comparison to find which programme matches your household's current situation.
| One Small Step RM 460 |
Careful Borrower RM 1,720 |
Terraced Plan RM 4,250 |
|
|---|---|---|---|
| Sessions | 2 | 4 | 5–6 |
| Duration | ~1 month | ~6 weeks | 4 months |
| Printed document | |||
| Covers borrowing decisions | Partial | ||
| Multi-year household horizon | |||
| Best for | Starting one sustainable habit | Pre-loan decision preparation | Structured multi-year household plan |
Standards Across All Programmes
Session Confidentiality
All information shared in a session remains between the participant and the facilitator. Session notes are owned by the participant.
No Product Referrals
Facilitators never introduce, recommend, or refer participants to financial products, platforms, lenders, or brokers.
Flexible Scheduling
Sessions are scheduled at mutually agreed times. Rescheduling with reasonable notice is accommodated without additional charges.
PDPA Compliance
Personal data collected during enrolment is handled in accordance with Malaysia's Personal Data Protection Act 2010.
Current Curriculum
Programme materials are reviewed annually for accuracy against Malaysian regulations, EPF rules, and current loan market conditions.
Enquiry Response
All enquiries are responded to within one working day. Initial conversations are informational — there is no obligation to proceed.
Programme Fees
All fees are published and fixed. There are no additional charges for materials, rescheduling, or follow-up.
One Small Step
Two sessions, one month
RM 460
- 2 × one-hour sessions
- Session notes provided
- Studio or online
Careful Borrower
Four sessions, six weeks
RM 1,720
- 4 × one-hour sessions
- Session notes and worked examples
- Studio or online
Terraced Plan
Five–six sessions, four months
RM 4,250
- Full engagement over 4 months
- Printed household plan document
- Two-instalment payment option
Not Sure Which Programme Fits?
Send us a brief enquiry describing your situation and we will describe which programme is most likely to be useful. There is no commitment in the conversation.
Send an Enquiry