Money Doesn't Have to Be Confusing

Most people get stuck when they try to plan their finances because nobody taught them how. We break down the essential steps so you can actually understand where your money goes and where it should go next.

Explore Our Program

Financial planning workspace with documents and calculator

Where Most People Actually Start

You're earning money. Maybe decent money. But somehow it disappears faster than you'd like, and you're not entirely sure where it goes.

Savings exist, sort of. Sometimes you put money aside. Other times, unexpected expenses pop up and wipe out what you managed to save. The cycle repeats.

There's this vague anxiety about the future. Retirement feels abstract. Property seems out of reach. And everyone around you appears to have their financial life sorted while you're still figuring out basic budgeting.

That's actually where most people are. The difference is some decide to do something about it.

What Changes When You Actually Learn

You start seeing patterns in your spending. Not judging them harshly, just noticing. That awareness alone shifts things.

Financial decisions become less stressful because you have a framework. Should you buy this? Take that trip? Move to a bigger place? The answers get clearer when you understand your actual numbers.

Goals stop being dreams and become plans with timelines. You know how much you need, when you'll have it, and what trade-offs you're making along the way.

The fear doesn't disappear completely, but it transforms into something manageable. You're not confident about everything, but you're confident in your process.

How novarethiqo Came to Exist

We didn't start as financial educators. We started as people who struggled with money and eventually figured things out through trial and plenty of errors.

2017

The Beginning Was Messy

Three friends, all dealing with their own money disasters. One couldn't save despite a good salary. Another had debt spiralling out of control. The third kept making investment decisions based on YouTube videos. We started meeting monthly to figure things out together.

2019

Accidentally Helping Others

Friends started asking for advice. We created a simple spreadsheet system that helped people track where money actually went. Nothing fancy. Just honest tracking. Within six months, over 200 people were using our templates.

2021

Making It Official

novarethiqo launched as a proper educational platform in Blacktown. We ran evening workshops in community centres, teaching practical financial planning to anyone who showed up. No complicated jargon. No selling financial products. Just the steps that actually worked.

2023-2025

Where We Are Now

Over 1,400 people have gone through our programs. They don't all become financial wizards, but they get clear on their numbers and build habits that stick. Our next program starts in September 2025, with workshops running through early 2026.

Person reviewing financial documents and planning budget

Understanding Cash Flow First

Before anything else, you need to know where money comes from and where it goes. We spend the first weeks just tracking. No judgement, no strict budgets yet. Just visibility. Because you can't plan what you can't see.

See Full Curriculum

Financial goal setting with notes and planning materials

Building Systems That Actually Work

Generic advice doesn't work because everyone's situation is different. We help you build your own system based on your income, expenses, goals, and honestly, your personality. Some people need strict structure. Others need flexibility. Both can work.

Learn Our Approach

Investment planning and long-term financial strategy session

Planning Beyond Next Month

Once the basics are solid, we look further ahead. What do you actually want? Not what you think you should want. Then we reverse-engineer the financial steps to get there. Property, business, early retirement, career change—whatever matters to you.

View Student Outcomes

Ongoing financial review and adjustment process

Adjusting When Life Changes

Your financial plan isn't set in stone. Job changes, relationships, health issues, opportunities—life keeps moving. We teach you how to adapt your plan without starting over from scratch every time something shifts.

Get In Touch

I came to novarethiqo thinking I needed to earn more money. Turned out I was earning enough—I just had no system. Within three months of their program, I had a clear picture of my finances for the first time in my adult life. Not perfect, but clear. That made all the difference.

Rhys Falkirk

Completed Program in 2024