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kloraviaent

Build Financial Skills That Actually Stick

Our 2025 program isn't about quick fixes or empty promises. It's about understanding money in a way that makes sense for your life, right here in Australia. We've helped over 340 people change their relationship with finances since 2019, and we'd love to work with you too.

Start Your Journey
Financial education workshop session

Which Path Fits Your Situation?

Most people coming to us fall into one of three groups. And honestly, that's helped us design better support for each situation.

Starting Fresh

You're tired of feeling anxious about money. Bills pile up, savings feel impossible, and you're not sure where your money actually goes.

  • Budget basics that work
  • Debt reduction strategies
  • Emergency fund planning
  • Spending pattern analysis

Building Momentum

You've got the basics down but want to grow. Maybe you're saving for a house, starting a family, or thinking about investment.

  • Property planning tools
  • Investment fundamentals
  • Tax-effective strategies
  • Goal-based saving plans

Growing Wealth

You're comfortable with money but want to do more. Retirement planning, portfolio management, and long-term wealth creation are on your mind.

  • Portfolio diversification
  • Superannuation strategies
  • Estate planning basics
  • Advanced tax planning
Chat About Your Situation

Real Progress From Real People

These aren't cherry-picked success stories. They're people who showed up, put in the work, and found their own path forward. Results vary because everyone's different.

Callum Rhodes financial journey

Callum Rhodes

Retail Manager, Melbourne

Joined our spring 2024 cohort with about ,000 in credit card debt and no real savings plan. "I kept thinking I'd figure it out on my own, but months turned into years," he told us during intake.

By December, he'd paid off ,200 of that debt and set up his first proper emergency fund. Not life-changing overnight stuff, but steady progress that built confidence.

Debt Reduced
,200
Program Length
8 months
Zara Patel financial transformation

Zara Patel

Freelance Designer, Sydney

Came to us in early 2024 with irregular income and zero financial structure. "I'd have good months and bad months, but no system to manage either," she explained during our first session.

Now she's got a buffer account that smooths out the income swings, and she actually knows what her business costs to run. Still freelancing, still has ups and downs, but with a safety net underneath.

Buffer Built
,800
Program Length
6 months

How We Actually Structure Learning

We've taught this program 14 times now, and each round we learn something new about what works. Here's what a typical journey looks like, broken down by what you'll actually do.

Financial education classroom setting
1

Foundation Phase

First month is about getting honest with where you are. We map out your current situation without judgment. Track spending for 30 days, identify patterns you didn't know existed, and build your first realistic budget.

Most people discover they're spending on things they forgot about. Subscriptions, memberships, habits that crept in over time.

Key Learning: You can't fix what you can't see. Awareness always comes before change.
2

Building Systems

Months two through four focus on creating structures that work with your life, not against it. We set up automated savings, debt payment strategies, and goal tracking that doesn't require constant willpower.

This is where the heavy lifting happens. You're building new habits while unlearning old ones. Some weeks will feel harder than others.

Key Learning: Systems beat motivation every time. When it's automatic, you don't have to think about it.
3

Growth & Refinement

Final months are about optimization and planning ahead. You're adjusting systems based on what you've learned, setting longer-term goals, and building confidence in your financial decisions.

This is also when we cover investment basics, tax strategies, and wealth-building concepts that now make sense because you've got solid foundations.

Key Learning: Financial skills compound over time. Small improvements add up to significant changes.

2025 Program Schedule

We run three cohorts throughout the year to keep groups small and support high. Each intake is capped at 24 participants so everyone gets proper attention.

1

Autumn Intake

March 10 - August 30

Perfect timing after summer spending. Get your finances sorted before the financial year end. Applications close February 20, 2025.

2

Winter Intake

July 8 - December 20

Start fresh mid-year when motivation is naturally high. Plan ahead for holiday spending. Applications close June 18, 2025.

3

Spring Intake

October 14 - March 28, 2026

Set yourself up for a strong financial new year. Build momentum before summer. Applications close September 24, 2025.

Ready to Get Started?

We offer a free 30-minute consultation to discuss your situation and see if our program is a good fit. No pressure, just an honest conversation about where you are and where you want to be.

Book Your Consultation