Started Small, Grew Through Questions
Back in 2019, three of us were running personal finance workshops out of a community centre in Sydney's eastern suburbs. We weren't planning to build an education business. Honestly, we just wanted to help neighbours understand why their budgets kept failing.
Turned out the problem wasn't the budgets themselves. It was that nobody taught people how to review them properly. You'd set one up in January, forget about it by March, and then feel guilty come June when you realised nothing had changed.
So we started focusing on the review process instead. Not the initial setup – the ongoing relationship you have with your spending patterns. That shift changed everything.
What Drives Our Approach
These aren't corporate values we printed on a poster. They're the principles that shaped how we teach, because they came from watching what actually worked.
Practical Over Perfect
Your budget doesn't need to look like a spreadsheet masterpiece. It needs to tell you what's happening with your money quickly enough that you can make decisions before payday.
Process Beats Motivation
Motivation fades by Wednesday. A solid review process keeps working whether you're excited about it or not. We build systems that function on your worst days, not just your best ones.
Context Matters More
The right budget technique depends entirely on your life situation. We don't push one method – we help you understand enough options that you can choose what fits your actual circumstances.
Who Runs This Thing
jolteravixo is led by people who came to financial education through different paths. We're not all accountants – and that diversity in background is kind of the point.
Barnaby Quillan
Founder & Education Director
I spent twelve years teaching high school maths before switching to financial education. Not because I loved finance particularly, but because I kept watching former students struggle with money decisions that seemed straightforward on paper but were actually quite complicated in practice.
What surprised me was how little the actual maths mattered compared to understanding patterns. You don't need advanced calculations to review a budget effectively – you need to recognise when your spending rhythm has shifted and what that shift means for your goals.
These days I focus mostly on program development and making sure our educational approach stays grounded in what actually helps people rather than what sounds impressive in marketing materials.
Recognition & Milestones
- Certified Financial Education Instructor, Australian Financial Educators Association (2020)
- Developed review framework now used by 18 community centres across NSW
- Speaker at Australian Personal Finance Conference 2024
Numbers That Tell Our Story
Ready to Build Better Budget Habits?
Our next group program starts in September 2025. Whether you're completely new to budget reviews or looking to refine an existing process, we'd be happy to talk through what might work for your situation.
Get In Touch