Your Money Deserves Better Planning Not More Complexity
Most people struggle with budgeting because they're using methods that worked for someone else's life. We teach allocation strategies that actually fit how you spend, earn, and save money right now.
Explore Our Programs
Three Allocation Methods You'll Actually Use
Forget rigid spreadsheets. These frameworks adapt to irregular income, fluctuating expenses, and real financial situations.
Priority-Based Allocation
Start with what matters most in your life right now. This method doesn't force you into arbitrary percentages but helps you fund priorities first and adjust as circumstances change.
Flexible Envelope System
A modern take on envelope budgeting that works with digital banking. Set boundaries without feeling trapped, and shift funds between categories when life happens.
Income-Responsive Planning
Perfect for freelancers, contractors, or anyone with variable earnings. Learn to allocate based on what actually arrives rather than what you hope to make.
Learn From Someone Who's Been Where You Are
Finley Hargrove spent twelve years working with families who felt overwhelmed by traditional budgeting advice. She developed these methods after seeing too many people give up on systems that didn't match their reality.
- Worked with over 300 individuals to create sustainable budget systems
- Specializes in allocation strategies for irregular income patterns
- Teaches practical approaches without judgment or one-size-fits-all rules
- Focuses on building confidence with money rather than perfect spreadsheets
Choose a Format That Works for Your Schedule
Our autumn 2025 programs start in September. Whether you prefer intensive workshops or self-paced learning, you'll get the same practical framework.
Weekend Workshop Series
Four Saturday sessions in September and October 2025. Bring your actual financial situation and build a working budget system by the end of the month.
Self-Directed Course
Access all materials immediately and work at your own pace. Includes video demonstrations, workbooks, and examples of each allocation method in action.
Small Group Coaching
Eight-week program starting October 2025 with groups of six. Get personalized feedback while learning alongside others facing similar financial challenges.
I'd tried budgeting apps, spreadsheets, even hiring a financial advisor. Nothing stuck until I learned priority-based allocation. It finally made sense why I kept abandoning other systems.
As a freelancer with unpredictable income, traditional budgets never worked. The income-responsive method taught me how to plan without constant stress about next month's earnings.
Ready to Build a Budget That Actually Works?
Our next programs begin September 2025. Visit our learning program page to see detailed schedules, compare formats, and find the approach that fits your situation.
If you have questions about which method might work best for your circumstances, we're located at Coffs Central in Coffs Harbour. You can also reach us at +61755220828 or info@velorivane.com.
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