We Started With a Simple Question
Why do so many people abandon budgets within weeks? Our journey began when we realized traditional budgeting methods don't match how life actually works.
Built From Real Frustration
Back in 2018, I sat with a friend who'd just given up on her fifth budgeting app. She wasn't careless with money. She just couldn't predict every expense three months out. That conversation stuck with me.
Traditional budgets demand perfect foresight. You're supposed to know in January what you'll spend in March. But car repairs happen. Medical bills arrive. Kids need new shoes right now, not when you planned for them.
Rolling budgets change that. Instead of mapping out the whole year, you work with a moving window. Update as you go. Adjust based on what's actually happening. It's how businesses handle uncertainty, and it works just as well for households.
We started xarimelique to teach this approach. Not because it's trendy, but because we've watched it help people who thought they were "bad with money" gain real control.
What Guides Our Work
These aren't corporate values we printed on a poster. They're how we actually operate when teaching people to manage money differently.
Practical Over Perfect
We teach methods that work with messy real life, not theoretical perfection. A budget you'll actually use beats one that looks impressive but gets abandoned.
Honest About Limits
No budget system fixes everything. We're upfront about what rolling budgets can and can't do. Some financial problems need different solutions.
Built For Change
Life doesn't follow your plan. Income shifts, expenses spike, priorities evolve. We teach systems that adapt when circumstances change, because they always do.
The People Behind The Programs
We're not financial gurus or lifestyle influencers. Just people who found better ways to handle money and decided to share what actually worked.
Freya Koskinen
Director of Financial Education
Spent twelve years in corporate finance before realizing most budgeting advice ignores reality. Now focuses on teaching adaptable systems that handle uncertainty instead of pretending it doesn't exist.
Saoirse Donlan
Lead Budget Strategy Instructor
Came to rolling budgets after traditional methods failed during a career change. Now helps others build financial systems that survive life transitions, unexpected expenses, and variable income.
How We Actually Teach This
Rolling budgets sound simple until you try to build one. Here's how we break down the process so it makes sense.
Start With What You Know
We begin with the expenses you can actually predict. Fixed costs, regular bills, known commitments. Build your baseline from certainty before adding flexibility.
Create Buffer Categories
Instead of guessing specific future expenses, you allocate to broader categories that absorb uncertainty. Car maintenance rather than "oil change on March 15th." This is where most people mess up traditional budgets.
Roll Forward Monthly
Each month, you update your forward window based on actual data. Drop the month that just passed, add a new one at the end. Adjust middle months as new information comes in. It's continuous rather than once-and-done.
Review and Refine
The system improves as you use it. You'll spot patterns in your spending, identify categories that need more buffer, and get better at forecasting. But unlike traditional budgets, it works decently even while you're still learning.