We Started Because Budgets Felt Broken
Back in early 2019, two accountants sat in a Sydney café watching small business owners struggle with budget planning that simply didn't work. That's when nosalvemjebiiva began—not as some grand vision, but as a practical response to a real problem we kept seeing.
Six years later, we're still asking the same question: what if managing finances didn't have to be this complicated?
The Problem We're Solving
Most budget advice tells you to cut everything. Stop buying coffee. Cancel subscriptions. Live like you're broke even when you're not. That approach burns people out within weeks.
We took a different path. Instead of restriction, we focus on redirection. Rather than eliminating spending, we help identify what actually matters to you and shift resources there.
Our methods came from working directly with over 400 Australian households between 2019 and 2024. We noticed patterns that traditional financial advice missed entirely.
What Our Approach Actually Does
We measure success differently than most financial services. Here's what typically happens when people work with us.
Clarity Within 3 Weeks
Most people gain a clear understanding of their spending patterns in the first month. Not vague ideas—actual data about where money goes.
Sustainable Changes
Our clients typically make 4-6 meaningful budget adjustments that they can maintain long-term. We're not interested in quick fixes that collapse.
Real Support Network
You're working with people who've analyzed thousands of budgets. Experience matters when you're trying to figure out what's actually realistic.
Who You're Working With
We're a small team based in Tasmania. Everyone here has worked in financial services for at least eight years.
Reuben Thackeray
Budget Strategy Lead
Started analyzing household budgets in 2014. Worked with Melbourne credit unions before moving to Launceston in 2018. Specializes in helping people who've tried budget planning before and found it didn't stick.
Celestine Waverly
Client Relations Director
Joined us in 2020 after a decade in financial counseling. She's the person who'll actually talk you through your first budget review—and the one who'll notice if something's not working for you.
How We Actually Work
Initial Budget Mapping
We start by looking at three months of your actual spending. Not what you think you spend—what the data shows. This takes about 90 minutes of your time over two sessions.
Pattern Recognition
Most people have 5-8 recurring expense patterns they're completely unaware of. We identify these and show you exactly how they're affecting your financial position.
Strategic Adjustment
Then we build a plan that redirects spending without making you feel deprived. This isn't about discipline—it's about making better decisions easier to execute than poor ones.