Real People, Real Solutions

We started janerilvaxo because we saw too many Australians struggling with budgets that just didn't work in real life. Our approach? Make financial planning actually useful for the way people really live and spend.

Early financial planning session showing collaborative budget development process

How We Actually Started

Back in 2019, we were sitting in a café in Bathurst watching a couple argue over their phone bill. Not because they couldn't afford it, but because their "perfect" budget app didn't account for their real spending patterns.

That moment made us realize something important. Most budgeting tools are built by people who've never had to choose between fixing the car or buying groceries. They assume everyone has predictable income and rational spending habits.

So we decided to build something different. Not another app that tells you what you should do, but a system that works with how you actually live. Three years of testing with real families later, here we are.

What Drives Us Every Day

Honest Money Conversations

We talk about money the way real people do. No judgment about that coffee habit or the impulse buy you regret. Just practical ways to make it work better.

Plans That Actually Stick

Beautiful spreadsheets mean nothing if you abandon them by February. We build budgets that survive real life, unexpected expenses, and yes, even lockdowns.

Your Life, Your Rules

Maybe you value experiences over possessions. Or perhaps you're saving for something specific. We help you spend intentionally on what matters to you, not what someone else thinks you should prioritize.

Financial coaching session demonstrating personalized budget strategy development

Our Different Approach

We've learned that sustainable budgeting isn't about restriction — it's about awareness and intentional choices. Here's what makes our process work:

Start with your actual spending patterns, not theoretical ideals
Build flexibility into every budget for life's surprises
Focus on systems that require minimal daily effort to maintain
Regular check-ins to adjust as your circumstances change
Clear strategies for handling irregular income or expenses
Tools that work whether you're tech-savvy or prefer pen and paper

Meet the Team Behind janerilvaxo

Freya Kensington

Founding Director & Financial Planning Specialist

After working in traditional financial planning for eight years, Freya became frustrated with one-size-fits-all approaches. She specializes in helping families create realistic budgets that account for irregular income and unexpected expenses.

Imogen Blackwood

Client Success Manager & Budget Coach

Imogen brings a background in behavioral psychology to financial planning. She works with clients to identify spending triggers and develop personalized strategies that align with their values and long-term goals.

Client consultation demonstrating janerilvaxo's collaborative financial planning approach

Our Promise to You

We won't promise you'll become debt-free in 90 days or save thousands instantly. What we will do is help you understand exactly where your money goes, create a system that actually works for your life, and give you the tools to make confident financial decisions. Because at the end of the day, the best budget is the one you'll actually use.