Your Money Deserves Better Decisions
Most people don't have a spending problem. They have a clarity problem. When you can see where each dollar actually goes, things start making sense. And that's when real change happens.
Start Your Budget Review
Spending Patterns Tell Stories
Here's something I've noticed working with hundreds of people: everyone thinks they know where their money goes. But when we sit down and actually map it out? There are always surprises.
Maybe it's the subscriptions that quietly renew each month. Or the lunch spending that somehow adds up to more than rent. Sometimes it's just that irregular expenses—like car registration or insurance—hit harder than expected because there wasn't a plan.
The average Australian household has about 12 active subscriptions but can only name 7 when asked. That's roughly $80 monthly going to services people forget they're paying for.
Building a budget isn't about restriction. It's about knowing what's happening so you can make choices that actually match what matters to you. And it starts with understanding your current patterns—not judging them, just seeing them clearly.
Budget Coaching Options
Choose the level of support that fits where you are right now. All programs start in September 2025.
Foundation
- 90-minute budget assessment
- Spending pattern analysis
- Custom spreadsheet setup
- Email follow-up support
Structured Path
- Bi-weekly coaching calls
- Personalized budget system
- Progress tracking tools
- Adjustment consultations
- Resource library access
Complete Support
- Weekly accountability check-ins
- Full financial review
- Goal-setting framework
- Emergency fund strategy
- Ongoing plan adjustments
- Priority email support
Petra Lindholm
Small Business Owner, Canberra
I thought I was managing okay until we actually broke down my monthly expenses. Turns out I was spending $340 a month on things I didn't even remember signing up for. Within three months of working with phorentavial, I had my first proper emergency fund—something I'd been trying to build for years. The difference wasn't earning more. It was finally seeing where everything was actually going.
Small Shifts Create Real Progress
People often expect budgeting advice to be all about cutting out coffee or canceling Netflix. But that's not usually where the problem is. Most budget issues come from irregular expenses that aren't planned for, or from simply not having a system to track what's happening in real time.
Last year, I worked with someone who was constantly overdrafting despite earning a decent salary. The issue? They were treating their bank balance like their available money, forgetting about upcoming automatic payments. We set up a simple buffer system and within two months, the overdrafts stopped completely.
Another client realized they were spending $190 monthly on food delivery—not because they loved the food, but because they hadn't planned grocery trips and were always caught hungry with no time. We adjusted their weekly routine slightly, and that $190 became $60 without any feeling of sacrifice.
The wins aren't dramatic or instant. But over six months? They compound into something that actually changes how you feel about money.
