We're the people behind your financial clarity
Running a small business or managing household finances in Melbourne isn't straightforward. Costs shift, priorities change, and trying to keep track of where money actually goes feels like a second job.
We get it because we've been there. Our team started helping friends with basic spreadsheets back in 2019, and what began as informal advice turned into something people genuinely needed—honest guidance on budgeting that actually works in real life.
Real conversations, not sales pitches
You won't find complicated jargon or pressure tactics here. When someone reaches out to veronilixa, they're usually frustrated with tools that promise everything but deliver confusion.
We built our approach around what we'd want if we were sitting on your side of the table. That means explaining budgeting concepts in plain language, showing examples from actual Australian households, and being upfront when something might not suit your situation.
Our Melbourne office has become a space where people drop by with questions about expense tracking or saving strategies. Sometimes these chats happen over coffee, other times through a quick video call. But the point stays the same—we want to understand what's not working before suggesting anything.
What we've learned from seven years of helping people budget
Every person who walks through our door teaches us something new about how money stress shows up differently for everyone.
Small business owners
Separating personal and business expenses isn't always clear-cut, especially when you're bootstrapping. We've worked with cafes, consultants, and tradies around Melbourne to create systems that make tax time less painful.
One client runs a design studio in Collingwood and used to dread reconciling accounts. Now she spends maybe an hour each month reviewing categories we set up together in early 2024.
Growing families
When childcare costs hit, budgets that seemed fine suddenly don't stretch. We help families map where flexibility exists without cutting everything they enjoy.
A couple in Fitzroy wanted to save for a house deposit while managing two kids under five. By adjusting a few recurring subscriptions and meal planning differently, they found an extra $320 monthly without feeling restricted.
People rebuilding finances
Whether it's after a relationship change, job loss, or just years of avoiding the numbers, starting fresh takes patience. We focus on small wins rather than overwhelming overhauls.
Someone contacted us in March 2025 needing to rebuild credit and create stability. Six months in, they've established an emergency fund and gained confidence in tracking daily spending.
How we actually work with people
Initial conversation
We start by listening. What's causing financial stress right now? What have you tried before that didn't stick? This usually takes about 45 minutes and happens however you're comfortable—in person at Suite 1003 on Little Bourke St, over video, or by phone.
Reviewing what's happening
We look at a few months of transactions together (don't worry, we've seen messier). The goal isn't judgment—it's spotting patterns you might not notice day to day. Like that subscription you forgot about or irregular expenses that throw everything off.
Building something that fits
Instead of handing you a template, we create categories and limits based on your actual life. If you eat out frequently, we work with that. If irregular income complicates planning, we adjust for it. The system needs to match reality, not an ideal version of it.
Check-ins when needed
Some people want monthly reviews for the first few months. Others prefer quarterly catch-ups. We adjust based on how confident you feel managing things independently. And if something changes—new job, unexpected expense, whatever—you can reach us at contact@veronilixa.com or call +61863655420.