Real People, Real Solutions

We're not here to sell you complicated financial products or make unrealistic promises. Just practical budgeting guidance that actually works for everyday Australians.

How kelivaranvo Started

Back in 2019, our founder Sarah was drowning in budgeting apps that promised everything but delivered complexity. After trying seventeen different financial tools and still struggling to save for a simple holiday, she had an idea.

What if budgeting didn't need fancy charts, investment tracking, or AI-powered predictions? What if it just needed to be simple, honest, and focused on the fundamentals that actually matter?

She started with a basic spreadsheet and three core principles: track what comes in, know where it goes, and save something realistic. That spreadsheet became the foundation for kelivaranvo's approach to minimalist budgeting.

We've helped over 2,800 Australian households since then, and the approach hasn't changed much. We still believe the best budget is the one you'll actually use, month after month.

Simple budgeting tools and calculator on desk showing practical financial planning approach

What We Actually Believe

No corporate buzzwords. Just the principles that guide everything we do.

Simplicity Wins

The best budget fits on one page and takes five minutes to update. If it's complicated, you won't stick with it. We've seen this proven hundreds of times.

Progress Over Perfection

Saving $50 consistently beats saving $200 occasionally. We help you build habits that last, not heroic efforts that burn out after two months.

Honest Expectations

We won't promise you'll retire early or eliminate all debt instantly. But we will show you how to gain control and make steady progress toward your actual goals.

Real-World Focus

Life happens. Kids get sick, cars break down, electricity bills spike. Our approach works with real life, not against it.

Clean workspace with organized financial documents showing systematic approach to money management

Person reviewing simple budget sheets with coffee, demonstrating practical daily financial habits

The Team Behind kelivaranvo

We're a small team based in Port Macquarie, passionate about making financial management accessible to everyone.

Sarah Thompson

Founder & Lead Educator

Former accountant who got tired of seeing people struggle with overcomplicated financial advice. Sarah developed our core methodology and leads our educational programs.

Marcus Fitzgerald

Planning Specialist

Brings fifteen years of financial counselling experience to our team. Marcus focuses on helping clients navigate unexpected challenges and adjust their budgets as life changes.

Ready to Simplify Your Budget?

Join our next learning program starting in September 2025, or get in touch to discuss your specific situation.

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