Money Doesn't Have to Be Stressful
We started philoventri because too many people told us the same thing: budgeting felt like punishment. But what if managing money could actually be creative?
How We Got Here
Back in early 2022, a small group of us were sitting around a cafe in Port Macquarie. We'd all tried traditional budgeting apps. They worked, technically. But nobody stuck with them.
Someone joked that budgeting felt like eating plain oatmeal every day. Necessary, sure. But miserable.
That conversation stuck with us. Why does managing money have to feel so restrictive? What if we built something that treated budgeting less like accounting and more like planning a trip you're excited about?
So we did. And people started using it. Not because they had to, but because they wanted to.
What Makes Us Different
We don't believe in one-size-fits-all financial advice. Your life isn't a template, and your budget shouldn't be either.
Flexible Systems
Some months you need strict limits. Other months you need room to breathe. We help you build a system that adapts without falling apart.
Real Scenarios
We work with actual income patterns and actual expenses. Not theoretical perfect situations. Because your rent doesn't care about theory.
Practical Tools
No complicated jargon. No finance-bro nonsense. Just clear methods that make sense when you're tired after work and trying to figure out if you can afford that weekend trip.
Who's Behind This
Meet Astrid. She's been helping people untangle their finances since 2019, and she's seen every budgeting disaster you can imagine.
Astrid Kovalenko
Astrid spent five years working in traditional financial planning before realizing most advice wasn't helping people who actually needed it. The budgets were too rigid. The advice assumed everyone had steady income and no surprises.
She started philoventri because she kept meeting smart people who felt stupid about money. Not because they were bad with it, but because the tools and advice available didn't match their reality.
These days, she spends her time building workshops and resources that actually work for people with irregular income, side hustles, student debt, and all the messy financial situations that don't fit into neat spreadsheet columns.
What We Believe
Money is emotional
Anyone telling you it's purely logical hasn't struggled with it. We factor in the psychology, not just the math.
Perfection is the enemy
A budget you can stick to imperfectly beats a perfect budget you abandon in two weeks. We design for sustainability, not ideals.
Context matters enormously
What works for a salaried couple won't work for a freelancer with three income streams. We help you build systems for your actual life.
Education over judgment
We're not here to lecture you about yesterday's spending. We're here to help you make better choices tomorrow.
Ready to Try a Different Approach?
Our next workshop series starts in October 2025. Limited spots available for people who want to build a budget that actually fits their life.
Get in Touch