We Started With A Simple Question

Why does preparing a family or small business budget still feel so overwhelming? Back in 2018, that question led three financial educators from regional Queensland to build something different.

From Frustration To Foundation

We met through community workshops in Bundaberg. Each of us had spent years teaching financial basics, but kept hearing the same thing: people understood the concepts, but couldn't make them work in real life.

Traditional budgeting tools assumed everyone had stable income and predictable expenses. But most families we worked with had variable hours, seasonal work patterns, irregular bills. The standard advice just didn't fit.

So we started experimenting with frameworks that adapted to actual circumstances rather than ideal ones. That early work became the foundation for what ionarentlo offers today.

Financial planning workspace with documents and calculator

Years of Program Development

420+

Queensland Families Coached

Regional Workshop Locations

How We Build Budget Confidence

Real Patterns First

We don't start with templates or generic categories. Instead, we help people track their actual spending patterns for a few weeks. Once you see where money genuinely goes, you can build a budget that works with your life instead of against it.

Variable Income Systems

Many Australian families deal with irregular income from casual work, seasonal industries, or side projects. Our frameworks account for this reality. You'll learn to create buffer systems and priority tiers that adapt when income fluctuates month to month.

Group workshop session on budget strategies

Practice Under Guidance

Knowledge without application doesn't stick. Our programs run for several months because changing financial habits takes time. You'll get regular feedback, troubleshoot problems as they emerge, and adjust your approach based on what actually works for your situation.

Who Leads This Work

Jasper Linwood

Founder & Lead Educator

I spent fifteen years teaching adult education before shifting focus to financial capability. Most of that work happened in community centers and libraries across regional Queensland, working with people who felt locked out of traditional financial advice.

What frustrated me was seeing smart, capable people struggle not because they couldn't understand budgeting, but because the standard tools assumed a level of stability they didn't have. So we built different tools.

These days I design the curriculum for our programs and still run workshops several times a month. If you're joining a session in Bundaberg or any of our regional locations, there's a good chance I'll be the one walking you through the framework.