Meet the Financial Literacy Team
Real people who understand your budgeting journey
We're not just financial advisors sitting in ivory towers. Each of us has walked the path from financial chaos to clarity. We've made the mistakes, learned the lessons, and now we're here to help you skip the painful parts and get straight to building a budget that actually works for your life.
Built Through Real Experience
Every strategy we teach comes from years of helping Australian families tackle their unique financial challenges. From managing irregular mining wages to budgeting for cyclone season repairs, we understand the specific pressures that shape financial decisions across different regions and industries.
Our approach isn't academic theory – it's practical wisdom earned through countless conversations with people just like you. We've seen what works in Brisbane apartments and rural Queensland properties alike.
That hands-on experience shapes everything we do. When we explain envelope budgeting or discuss emergency funds, we're drawing from real situations where these tools made the difference between financial stress and financial confidence.
The People Behind Your Success
Three financial educators who've turned their own budget struggles into expertise that helps thousands of Australians build stronger financial foundations
Torben Lindqvist
Started as a tradie who couldn't keep track of his irregular income. After years of feast-or-famine cycles, Torben developed systems that work for anyone with unpredictable earnings. His practical approach helps people build budgets that bend without breaking when life gets complicated.
Sienna Kovač
Former single mum who mastered the art of stretching every dollar while still creating opportunities for her kids. Sienna's expertise lies in finding the balance between necessary frugality and intentional spending that supports long-term family goals and happiness.
Caspian Thorvaldsen
Overcame significant credit card debt in his twenties through methodical planning and behavioural changes. Now specialises in helping people understand the psychology behind spending decisions and develop sustainable habits that prevent debt accumulation.
How We Actually Help
Forget complex financial jargon and overwhelming spreadsheets. Our method focuses on building simple systems that work with your natural habits, not against them. Each step is designed to create lasting change without turning budgeting into a second job.
Understand Your Reality
We start by looking at where your money actually goes, not where you think it should go. No judgement, just honest assessment of your current patterns and the real pressures in your life.
Build Your Foundation
Create a basic budget structure that accounts for your specific situation – whether that's shift work, commission income, or managing household expenses on a tight timeline.
Test and Adjust
Run your budget for a few months while we help you spot the gaps and friction points. This is where the real learning happens – when theory meets your actual life.
Strengthen the System
Once the basics are solid, we add layers like automated savings, debt reduction strategies, and longer-term planning that builds wealth without sacrificing today's quality of life.
Working Together for Real Results
Financial education shouldn't feel like sitting through a university lecture. Our sessions feel more like getting advice from a friend who happens to know a lot about money – practical, honest, and tailored to what you're actually dealing with.
We believe the best financial decisions happen when you understand not just what to do, but why it works for your specific situation. That's why we spend time understanding your goals, your constraints, and your natural money habits.
- Individual guidance that fits your schedule and learning style
- Real-world examples from Australian families in similar situations
- Ongoing support as your financial situation evolves
- Tools that work with everyday Australian banking and payment systems
- Strategies tested in everything from FIFO households to city-based families
Ready to start building financial confidence that lasts? Our next intake for comprehensive budget foundation courses begins in September 2025, with early enrollment opening in June.
Start Your Budget Journey