Building Financial Literacy One Student at a Time
We started lomiravente in early 2023 because too many Australians were entering adulthood without basic money skills. Not investment strategies or tax loopholes—just the fundamentals of budgeting, saving, and understanding where their money goes each month.
That gap bothered us. So we built something different.
Why We're Here
Most financial education focuses on wealth building. That's fine if you already have wealth to build. But what about the 18-year-old starting their first job? Or the small business owner who's brilliant at their craft but struggles with cash flow?
We work with everyday people who need practical skills, not theory. Our courses cover real situations—like setting up your first budget, understanding credit properly, or planning for irregular income when you're freelancing.
It's not glamorous stuff. But it works, and that matters more.
How We Got Here
lomiravente didn't start as a grand vision. It started with frustration and a whiteboard.
The Problem We Saw
In 2022, we were running workshops for young adults through community centres. The same questions kept coming up—how to split income between bills and savings, whether to pay off debt or build emergency funds first. Basic stuff that schools hadn't covered.
Testing the Approach
We launched our first online module in March 2023—a six-week course on personal budgeting. Kept it simple. No fancy platform, just clear lessons and practical exercises. Twenty-three people signed up. Eighteen finished it.
Learning What Works
By mid-2024, we'd run twelve different courses and learned what actually helps people change their financial habits. Spoiler: it's not motivational speeches. It's breaking things into small steps and giving people tools they can use immediately.
Where We Are Now
As of January 2025, we've helped over 400 students develop better money habits. We're still small, still focused on teaching fundamentals properly. Our next intake starts in August 2026, with expanded modules for business owners managing cash flow.
What Drives Our Teaching
These aren't corporate values we printed on posters. They're the principles that shape how we design courses and work with students.
Practical Over Theoretical
We teach skills you'll use next week, not concepts you might need in five years. Every lesson includes exercises based on real financial situations our students actually face.
Honest About Limits
Financial education can't fix everything. We're upfront about what our courses can and can't do. If you need debt counselling or mental health support, we'll point you toward proper resources.
Adapt to Real Life
Life doesn't follow a budget spreadsheet. Our approach accounts for irregular income, unexpected expenses, and the fact that motivation fluctuates. We build systems that work when you're tired or stressed.
Callum Hargrave
Lead Instructor
Former accountant who got tired of cleaning up financial messes that basic education could have prevented. Now teaches budgeting and cash flow management to people who need clarity, not jargon.
