Budget Surplus Management
Back in 2018, we noticed something odd. People were getting conflicting advice about what to do when they actually had extra money. Save it? Invest it? Pay down debt faster? Everyone had an opinion, but nobody was really explaining the practical side.
So we built myrathione to help people figure out what works for their actual situation—not some textbook scenario that doesn't match real life.
We didn't start as financial experts. Our founder spent years helping mates understand their mortgage statements over coffee. That turned into weekend workshops in 2019, then proper courses by 2021.
What made it work? We focused on the stuff people actually deal with. Like what happens when you get a bonus at work. Or how to handle an inheritance without making expensive mistakes. Real scenarios that come up in everyday life.
By 2023, we'd moved into our Lismore location and started running regular programs. We're not about making you feel dumb for asking questions—we're about giving you practical answers you can use next week, not in some distant future.
We break down money management into four main areas that actually matter when you've got surplus funds sitting around.
Before doing anything with extra money, you need to know where you stand. We help you map out your current debts, savings, and regular expenses. Not the complicated version—just the facts that matter for your decisions.
Once you know what you're working with, we walk through what you can actually do with surplus funds. Pay down the mortgage? Build an emergency buffer? Start investing? We compare the real costs and benefits of each choice based on your situation.
Theory is useless without implementation. We help you create a specific plan with timelines and milestones. What gets done this month? What can wait until next quarter? How do you track whether it's working?
Your financial situation isn't static. New job, family changes, unexpected expenses—they all affect your strategy. We teach you how to reassess and adjust your approach when circumstances shift.
Our teaching comes from real experience helping hundreds of Australians navigate surplus management decisions over the past seven years.
Lead Financial Educator
Thorsten spent twelve years in banking before switching to education. He got tired of seeing people make decisions based on generic advice that didn't fit their lives. Now he runs our core programs and develops new course content based on questions people actually ask.
