loravenique
Back in 2019, a few of us sat around a Brisbane cafe wondering why money conversations felt so overwhelming. Not the high-level investment stuff—just everyday budgeting. The kind that determines whether you stress about groceries or actually enjoy your coffee.
Turned out, most budgeting advice assumes you already understand the foundations. It jumps straight to investment portfolios when people are still figuring out how to track their weekly spending without feeling judged.
We'd seen zero-based budgeting work in corporate settings—where every dollar gets assigned a purpose before the month starts. But nobody was teaching it to regular households in a way that actually made sense.
So loravenique came from that gap. Not as consultants promising quick fixes, but as educators who genuinely wanted to share a framework that changed how we thought about money.
We use actual household examples from Brisbane to Sydney—rent, childcare, variable income patterns
Spreadsheets and templates you can modify, not rigid systems that break when life happens
Programs running through late 2025 into 2026 with check-ins that actually help
Lead Educator
Spent eight years in financial planning before realizing most clients needed education more than investment advice. Now develops curriculum that connects budget theory to daily decisions—grocery shopping, utility bills, that subscription you forgot about.
Program Coordinator
Manages our autumn 2025 program schedule and helps participants stay on track when motivation dips. Previously worked in adult education—understands that learning financial skills takes repetition and patience, not just one workshop.
We're upfront about what zero-based budgeting requires—time, consistency, sometimes uncomfortable conversations about spending habits. Results vary based on individual circumstances and effort.
The framework itself is disciplined, but how you apply it should adapt to your life. Single parent? Freelancer with irregular income? The principles still work, just configured differently.
Past financial decisions are learning points, not character flaws. Our sessions focus on building skills going forward rather than analyzing where money went wrong.
Our programs running through 2025 and into 2026 keep evolving based on what participants actually need. Some want deep dives into managing irregular income. Others need help with partner budget conversations that don't end in arguments.
The zero-based approach remains central—it's proven and practical. But how we teach it keeps adapting as more Australian households share what works for them in reality, not just in theory.
If you're curious whether this framework might help your situation, we're located at Riverside Hotel, 20 Montague Rd in South Brisbane. Reach us at info@loravenique.com or +61756463731 to discuss our upcoming sessions.