We Help Australians Take Control of Their Money
Started in 2019, monethyros grew from a simple idea: most people don't need complicated financial advice. They need clear, practical guidance on managing everyday money decisions. We've been teaching budgeting basics to everyday Australians ever since.
Our approach isn't about fancy software or complex strategies. It's about understanding where your money goes and making intentional choices that match your life.
Why We Focus on Budgeting Fundamentals
Because everything else in personal finance depends on it. You can't invest wisely, save effectively, or reduce debt without first knowing your cash flow patterns.
We've worked with thousands of people across Australia who thought they were "bad with money." Turns out, they just never learned the basics. No one teaches you how to track expenses, set realistic spending limits, or build a buffer for unexpected costs.
That's where we come in. Our programs strip away the complexity and focus on what actually works for real people with regular jobs and normal lives.
What Makes Our Approach Different
- We skip the judgment and shame that often comes with money conversations
- Our methods work whether you earn forty thousand or four hundred thousand annually
- Real examples from actual budgeting scenarios, not theoretical cases
- Flexible systems that adapt to irregular income, family changes, and life disruptions
- Focus on sustainable habits rather than restrictive short-term fixes
- Practical tools you can start using the same day without expensive software
Meet the Person Behind monethyros
We're a small team, which means you get direct access to people who actually understand your questions. No call centres or automated responses.
Saskia Pemberton
Founder and Lead Educator
Our Core Principles
Transparency in Everything
We explain exactly what you're learning and why it matters. No hidden methods or proprietary secrets. Just straightforward budgeting principles that have worked for decades.
Real-World Application
Every concept we teach connects to actual situations you'll face. We use examples from participants who've dealt with irregular freelance income, family financial transitions, and unexpected expenses.
Respect for Your Situation
Your financial starting point is your starting point. We don't compare participants or suggest everyone should follow the same path. Different circumstances need different approaches.
Foundation Programs
Start with the essentials. Our foundation courses cover expense tracking, category allocation, and building your first working budget. Most participants complete these within six to eight weeks.
Advanced Methods
Once you've mastered the basics, we explore cash flow forecasting, variable income strategies, and buffer building. These techniques help you handle financial complexity without losing control.
Individual Guidance
Sometimes you need specific answers for your unique situation. Our consultation sessions address particular challenges, from managing debt reduction alongside saving goals to adjusting budgets during career transitions.