Meet the People Behind qiloraelevi

We're not just financial advisors — we're real people who've walked the path of budgeting struggles and found practical solutions that actually work in everyday life.

Finnegan Hartwell

Lead Financial Coach & Expense Management Specialist

About eight years ago, I was drowning in credit card debt with absolutely no clue where my money went each month. Sounds familiar? That breaking point led me to develop what we now call the "Reality Check Method" — a brutally honest approach to tracking expenses that doesn't rely on complicated apps or unrealistic budgets.

Before joining qiloraelevi, I spent five years working with families across Southampton, helping them untangle their financial messes. What struck me most was how similar everyone's challenges were, yet how different their solutions needed to be. A single parent's budgeting approach simply can't mirror that of a retired couple.

Debt Management Expense Tracking Budget Psychology Family Financial Planning

What Drives Us Forward

Practical Over Perfect

We don't chase perfect budgets — we build systems that work with your actual lifestyle. Sometimes that means allowing for those coffee shop visits instead of pretending you'll make coffee at home every single day.

Real Talk, No Judgment

Money conversations get awkward fast. We create space where you can admit you spent £200 on takeaways last month without feeling like a financial failure. Because honestly, we've all been there.

Small Changes, Big Impact

Radical budget overhauls rarely stick. Instead, we focus on tiny adjustments that compound over time. Moving one subscription payment to align with your payday can prevent weeks of financial stress.

How qiloraelevi Started

qiloraelevi began in early 2023 when three friends realized they were all struggling with the same problem — existing budgeting tools felt designed by people who'd never actually lived paycheck to paycheck.

We spent months interviewing families around Southampton, collecting stories about what really happened when budgets failed. The patterns became clear: people needed flexibility, not rigid rules.

By late 2024, we'd developed our core philosophy — expense budgeting that adapts to real life instead of demanding perfection. Our approach acknowledges that some months you'll spend more on heating, others on school supplies, and occasionally on things that just make life bearable.

Today, we're proud to help families across the UK build sustainable financial habits without the guilt and shame that often comes with traditional budgeting advice.