Financial Clarity Starts Here

We've spent over a decade helping Australians understand their money better. Not through complex jargon or unrealistic promises, but through practical budget strategies that actually work in real life.

Why We Started taveriqonela

Back in 2014, I was sitting in a coffee shop in Ballarat listening to a mate explain how he'd tried three different budgeting apps and still couldn't figure out where his money was going each month. That conversation stuck with me.

Most financial advice felt disconnected from real life. People needed practical strategies that worked with their actual income, their actual expenses, and their actual habits. So we started taveriqonela to bridge that gap.

Today, we work with individuals and families across Victoria who want straightforward budget planning without the sales pitch. Our approach focuses on understanding your unique situation first, then building strategies that fit your lifestyle.

Financial planning consultation session

What Guides Our Work

Honest Numbers

We deal with your actual financial situation, not what you wish it was. Real budgets work with real numbers, including that coffee habit you're not giving up.

Practical Focus

Every strategy we develop needs to work in your daily routine. If it requires massive lifestyle changes overnight, it's not sustainable.

Clear Communication

Financial planning shouldn't require a dictionary. We explain concepts in plain language and make sure you understand every recommendation.

Budget analysis and planning documentation Financial consultation meeting Personal finance strategy session

How We Work With You

  • 1

    Understanding Your Reality

    We start by looking at your actual spending patterns over the past few months. No judgment, just data. This helps us see where your money really goes versus where you think it goes.

  • 2

    Finding Your Pressure Points

    Every budget has stress points where money gets tight. We identify these patterns and develop specific strategies to manage them before they become problems.

  • 3

    Building Flexible Systems

    Your budget needs to handle irregular income, unexpected expenses, and changing priorities. We create frameworks that adapt to your life, not rigid rules that break under pressure.

  • 4

    Regular Check-ins

    Financial situations change. We schedule periodic reviews to adjust your strategy as your income, expenses, or goals evolve. Think of it as maintenance for your financial health.

Meet Our Team

Our financial strategists combine formal training with real-world experience helping Australian families manage their budgets effectively.

Lachlan Thorsen, Senior Financial Strategist

Lachlan Thorsen

Senior Financial Strategist

Lachlan has been working in personal finance for 12 years, starting as a bank lending officer before moving into budget consulting. He specializes in helping people understand the emotional side of money management and developing strategies that work with your natural spending habits rather than against them. When he's not crunching numbers, you'll find him cycling around Lake Wendouree or trying new restaurants in Ballarat's growing food scene.