Money Decisions That Actually Make Sense
You work hard. But does your money? We help people in the ACT region build practical money habits without the confusion. Think clearer budgets, smarter spending patterns, and financial choices that fit your actual life.
Explore Our Programs
Why Most Money Advice Falls Flat
Generic tips about cutting coffee won't fix structural money problems. And spreadsheets that take three hours to set up? Nobody actually uses those after the first week.
We've worked with hundreds of folks across Canberra and beyond. The pattern is always the same—people need frameworks that bend to their reality, not rigid systems that demand perfection.
Our approach starts with where you are right now. Maybe that's managing variable income. Maybe it's rebuilding after a rough patch. Maybe you just want to stop worrying about next month.
What You'll Learn
Real techniques for managing money in 2025's economic reality
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01
Budget Systems That Flex
Build a spending plan that adjusts when income changes or unexpected costs hit. No more guilt when life happens.
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02
Debt Reduction Strategies
Tackle multiple debts with clarity. We'll map out which balances to prioritize and how to stay motivated during the slow months.
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03
Building Emergency Buffers
Start small and build momentum. Even $500 changes how you handle car repairs or medical bills.
Programs Starting September 2025
Our next intake runs from September through November. Sessions meet twice weekly in Fyshwick, with optional online access for those with tricky schedules. Class sizes stay under twelve people so everyone gets actual attention.
See How It WorksThree Phases, One Clear Path
We break money management into stages that build on each other. No overwhelming information dumps.
Phase One: Understanding Current Patterns
Most people have no idea where money actually goes. We spend three weeks tracking real spending without judgment. You'll spot patterns you never noticed.
This phase feels easy because you're just observing. But it sets up everything that follows.
Phase Two: Building Your System
Now we design a money system around your actual life. Variable income? Shared expenses with a partner? Supporting family members? We account for all of it.
You'll leave this phase with a framework you can maintain without constant effort.
"I'd tried budgeting apps, spreadsheets, even the envelope method. Nothing stuck. What made cendriavonex different was how they helped me work with my ADHD instead of pretending I could just be more disciplined. Six months later and I actually know what's in my accounts."
Completed Autumn 2024 Program
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