cilveriqona logo

cilveriqona

Money Sorted Without the Stress

Budgeting isn't about restriction. It's about having a clear picture of where your money goes so you can spend on what matters most. We help everyday Australians build simple habits that stick.

Explore Our Program
Person reviewing budget spreadsheet with coffee cup

How We Make Budgeting Actually Work

Most people abandon budgets because they're too complicated or feel like punishment. Our approach focuses on building awareness first, then creating systems that fit your actual lifestyle.

Organized financial documents and planning materials

Start With Reality

Track your actual spending for two weeks without changing anything. You need to see the real patterns before you can create a budget that works with your life.

Person working on laptop with financial planning tools

Build Your Framework

Create categories that make sense for your situation. Not everyone needs the same buckets, and that's fine. Your budget should reflect your priorities and challenges.

Coffee shop workspace with financial planning notebook

Adjust as You Go

The first budget is never perfect. Review weekly for the first month, then monthly after that. Small tweaks along the way keep your system useful rather than frustrating.

87%

Complete the full program

6 weeks

Average to build solid habits

1,200+

Participants since 2022

What People Actually Say

These are real participants who went through our program in 2024. Their experiences varied, but most found the approach practical and surprisingly manageable.

Jarrett Tillman

Jarrett Tillman

Small Business Owner, Orange

I'd tried budgeting apps before and always gave up after a couple weeks. This program taught me to track things on paper first, which sounds backwards but actually helped me understand where money was going. Three months in and I'm still using the system, just moved it digital.

Finnegan Lochridge

Finnegan Lochridge

Retail Manager, Dubbo

The biggest shift for me was realizing I didn't need to cut everything out. Just seeing where the money went each fortnight helped me make better choices without feeling restricted. Still grab takeaway sometimes, just not four times a week anymore.

Ready to Get Your Budget Sorted?

Our next program starts in September 2025. Six weeks of practical lessons, weekly check-ins, and a small group of people working on the same challenge you are.

View Program Details