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Financial planning starts with visibility — map your spending across months, not just days

We Started with a Spreadsheet and a Problem

Back in 2019, our founder was juggling bills, savings goals, and that ever-shrinking paycheck like most people. She built a calendar system that finally made sense. Turns out, a lot of Australians needed something like this.

xenalithor grew from that kitchen-table solution into an education platform that's helped thousands understand where their money actually goes. And more importantly, where it should go.

6 Years Running
4,200+ Students Taught
92% Improved Habits
Budget planning workshop session with participants learning calendar-based financial tracking Close-up of budget calendar methodology showing monthly income and expense mapping Individual reviewing their personalized financial calendar plan during consultation

The Calendar Method That Actually Works

Most budgeting advice treats money like it exists in a vacuum. Pay this first, save that percentage, track everything. But life doesn't work in neat monthly chunks.

Your car registration is due in October. Your insurance renews every six months. That quarterly electricity bill always catches you off guard. We built our method around these realities.

The calendar approach means you see twelve months ahead. No surprises, no scrambling when big bills land. You map your income against actual due dates and build savings targets that match your timeline.

Our students typically reduce financial stress within the first eight weeks. Not because they suddenly earn more, but because they finally know what's coming and when to prepare for it.

Who's Teaching This Stuff

Two educators who've spent years figuring out how to make financial planning less intimidating and more practical for everyday Australians.

Freya Tomlinson - Lead Financial Educator specializing in calendar-based budget planning

Freya Tomlinson

Lead Financial Educator

Created the xenalithor calendar method after years of helping friends untangle their finances. Former accountant who got tired of watching people drown in jargon. Believes your budget should fit your life, not the other way around. Teaches our core workshop series and develops new curriculum based on what students actually struggle with.

Saskia Pemberton - Program Director for financial education curriculum development

Saskia Pemberton

Program Director

Designs the learning pathways and keeps everything running smoothly. Background in adult education and a knack for breaking complex topics into digestible pieces. Spent three years refining our teaching approach based on student feedback. If you've taken our course, you've experienced her obsession with clarity and practical application.

Common Money Challenges We Actually Address

1

Bills That Appear Out of Nowhere

You think you're doing fine, then car registration arrives and suddenly you're scrambling. Annual and quarterly expenses catch people every single time because traditional monthly budgets ignore them.

We teach you to map every known expense across twelve months. You'll see exactly when costs hit and build dedicated savings pockets. Most students set up automated transfers that align with their calendar—money's there when bills arrive.
2

Irregular Income Stress

Freelancers, casual workers, commission-based earners—you never know exactly what's landing. Makes planning feel impossible, so most people just don't. Then panic when rent's due and last week was slow.

Our baseline budgeting technique uses your lowest typical month as the foundation. Everything above that becomes buffer money. You'll learn to create a rolling average and set up priority tiers for expenses based on what's absolutely essential versus flexible.
3

Savings Goals That Never Happen

You want to save for a holiday, emergency fund, new furniture—but there's never anything left over. Saving becomes this vague intention rather than an actual plan with dates attached.

Calendar planning turns savings into scheduled payments. You pick target dates (holiday in September 2026) and work backwards to calculate weekly or fortnightly amounts. Small, automatic transfers to dedicated accounts. We'll show you how to stack multiple savings goals without overwhelming your cashflow.

Ready to Try a Different Approach?

Our next intake for the Budget Calendar Foundation course starts in September 2025. Six weeks of practical learning, real examples, and the calendar system that's helped thousands of Australians take control.

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