Real People, Real Financial Solutions
We started neldiolsanlo because we noticed something troubling – too many Australians were struggling with money management, not from lack of income, but from never learning practical budgeting skills that actually work in real life.
How We Got Started
Back in 2018, our founder Zephyra was working as a community financial counselor in regional Queensland. She kept seeing the same pattern – people earning decent wages but living paycheck to paycheck, not because they were irresponsible, but because no one had ever taught them how money actually flows through a household.
The breaking point came when she met a family spending 0 monthly on groceries for three people, not because they were buying luxury items, but because they shopped without a plan. After three months of practical budgeting education, they'd cut that to 0 without sacrificing nutrition or enjoyment.
That's when we realized traditional financial advice misses the mark. People don't need lectures about compound interest – they need practical systems for making their money work better today.
What Drives Our Work
These principles guide how we design every program and interaction with our community.
Practical First
We focus on skills you can use immediately. No abstract theories – just systems that work in your actual life with your actual income.
No Judgment Zone
Money mistakes are learning opportunities, not character flaws. We create space for honest conversations about financial challenges.
Australian Reality
Our strategies account for Australian costs, wages, and lifestyle. What works in other countries might not work here.
Start With Your Current Reality
We begin by mapping your actual spending patterns, not what you think they should be. Most people discover they're spending differently than they imagined, which explains why previous budgeting attempts failed.
Build Sustainable Systems
Rather than demanding perfect discipline, we help you create automated systems and simple habits. The goal is making good financial decisions easier than bad ones.
Plan for Real Life
Life happens – cars break down, kids get sick, work situations change. We build flexibility into every budget so unexpected events don't derail your progress.
Meet Our Lead Educator
Our programs are designed by someone who understands the real challenges of managing money in Australia.
Zephyra Chen
Founder & Financial Education Specialist
After spending six years as a financial counselor helping Queensland families navigate money challenges, Zephyra founded neldiolsanlo to make practical financial education accessible to more people. She holds qualifications in financial counseling and adult education, but her real expertise comes from working directly with hundreds of families to solve real budgeting problems. When she's not developing new programs, you'll find her testing budget recipes in her own kitchen or walking the trails around Toowoomba.
Results That Matter
Since 2018, we've helped Australian families develop practical money management skills that create real improvements in their financial stability.
"The program didn't just teach me to budget – it showed me how to build a system that actually works with my irregular income. Eighteen months later, I've got my first real emergency fund and I'm not stressed about money anymore."
Ready to Build Better Money Habits?
Our next comprehensive program launches in August 2025. Get on the waitlist to secure your spot and receive our free budget starter kit.
Explore Our Programs