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Master Your Savings: Online Courses, Budget Templates, and 1:1 Coaching

Gain clarity, control, and confidence with step-by-step financial lessons, ready-to-use budget templates, and personalized 1:1 coaching, all included in a flexible subscription designed to help you take action, measure progress, and build sustainable money habits that last.

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About Us

We are a team of educators, coaches, and technologists dedicated to helping people save more with less stress, combining research-backed methods, compassionate guidance, and practical tools that simplify decisions, create momentum, and transform intentions into sustainable financial results.

Plans and Services

Choose from a flexible subscription, focused 1:1 coaching, and premium template bundles, each designed to deliver clear steps, measurable outcomes, and real accountability, so your savings improve steadily while your time and energy remain protected.

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Monthly Learning Subscription

Get unlimited access to all courses, downloadable budget templates, live office hours, and tools, including calculators and trackers, plus monthly content updates and community support, empowering you to learn, implement, and maintain better money habits at your pace.

/month

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Personal 1:1 Coaching Session (60 minutes)

Work one-on-one with a certified coach who reviews your numbers, identifies friction, and co-creates an actionable plan, including budget tweaks, automation setup, and weekly commitments, so you leave with clarity, confidence, and immediate next steps tailored to your life.

/month

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Ultimate Budget Template Bundle

Download a curated set of advanced spreadsheets and planners with built-in formulas, goal trackers, and year-over-year analytics, accompanied by step-by-step guides and video walkthroughs, reducing setup time and ensuring your budget stays accurate, insightful, and easy to maintain.

/month

How It Works

Start with a quick assessment, choose a learning path, then combine courses, templates, and coaching into weekly actions that fit your schedule, so you progress predictably, track improvements, and celebrate wins without guesswork or overwhelming complexity.

Choose Your Path

Answer a brief questionnaire to surface priorities across saving, budgeting, debt, and income, then receive a recommended sequence of courses and templates tailored to your goals, time available, and preferred learning style, including checkpoints to recalibrate as your situation evolves.

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Course Catalog

Explore beginner, intermediate, and advanced tracks covering budgeting fundamentals, debt strategies, emergency funds, sinking funds, mindful spending, habit formation, side income, and investing basics, each designed to deliver actionable steps, measurable milestones, and real-life examples you can follow immediately.

Foundations of Budgeting

Build a zero-based plan, allocate money to fixed needs, variable wants, and future goals, and learn to reconcile transactions weekly, so your budget reflects reality, supports priorities, and flexes gracefully when life happens without derailing your progress.

Debt Payoff Mastery

Compare avalanche and snowball methods with blended strategies, run payoff timelines, and pick motivators that fit your psychology, then automate payments and visualize momentum, reducing stress while reliably freeing cash flow for savings, investments, and experiences that matter.

Investing Basics for Savers

Understand risk, diversification, and time horizons, set targets for emergency funds before investing, and learn low-cost index approaches, tax-advantaged accounts, and contribution schedules, so your savings translate into long-term growth without unnecessary fees or speculative distractions.

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Budget Templates Library

Download customizable spreadsheets and planners built for zero-based budgeting, envelope categories, paycheck planning, sinking funds, and annual forecasts, each accompanied by quick-start guides, example data, and automation tips that reduce manual work while improving accuracy and accountability.

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Tools and Calculators

Use interactive calculators to set realistic timelines for emergency funds, debt elimination, and big purchases, then track progress automatically with alerts and visualizations, turning abstract goals into specific, achievable steps supported by data and consistent weekly habits.

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Savings Goal Tracker

Enter a target amount, choose a deadline, and see the required weekly contribution, then enable round-ups or automatic transfers and receive milestone nudges, making it easier to maintain motivation and adapt quickly when income or expenses change.

Debt Snowball Calculator

List balances, minimums, and interest rates, pick a payoff order, and visualize timelines with interest saved, then export a monthly schedule and progress chart that turns intimidating debt into a transparent plan you can follow confidently and consistently.

Subscription Analyzer

Connect or upload transactions to categorize recurring charges automatically, highlight underused services, and calculate recovery value if canceled, empowering you to optimize subscriptions, reduce waste, and redirect savings toward goals with minimal effort and maximum clarity.

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1:1 Coaching

Work directly with a certified money coach to clarify goals, redesign your budget, resolve roadblocks, and build accountability routines, combining empathy and evidence-based tactics so you progress faster, stay motivated, and make confident decisions aligned with your values.

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Success Stories

Read detailed case studies showing how everyday members overcame overdrafts, built emergency funds, negotiated bills, paid off cards, and saved for milestones, including numbers, timelines, and tactics you can adapt to your circumstances and goals with confidence.

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Methodology and Philosophy

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We blend behavioral science, systems thinking, and evidence-based tactics, focusing on small weekly commitments, feedback loops, and automation, so savings grow steadily while willpower fatigue shrinks, and progress continues even during busy seasons or stressful life events.

  • Behavioral Finance Focus We design prompts, defaults, and friction reducers that make the right choice easier in the moment, using habit stacking, visual cues, and precommitment, so consistent savings happen automatically rather than relying on motivation that inevitably fluctuates.
  • Systems Over Willpower We build repeatable routines around paydays, bills, and reviews, codified into checklists and templates, transforming intentions into predictable outcomes, because systems protect decisions from stress, distractions, and decision fatigue that derail even well-informed plans.
  • Data-Driven Iteration We encourage experimentation, measuring savings rate, planned versus actual spending, and momentum indicators, then adjusting categories, automations, and habits systematically, so improvements stick and future decisions become faster, clearer, and less emotionally charged.
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Data Encryption

All connections use modern TLS protocols, sensitive fields are encrypted at rest, and credentials never touch our servers when using tokenized aggregators, ensuring your financial details remain protected during import, processing, and storage across our systems.

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Payment Safety

Billing is processed through trusted providers with PCI compliance, multi-factor authentication, and fraud monitoring, while you control renewals and receipts, so your subscription stays secure and predictable without surprise charges or complicated cancellation steps.

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Your Control Over Data

Adjust permissions, download your information, and request deletion anytime, with clear explanations of what is stored and why, so you maintain autonomy and peace of mind while benefiting from automation and insights that improve budgeting accuracy.

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Mobile and Accessibility

Access courses, templates, and tools on any device, with responsive layouts, captions, transcripts, keyboard navigation, and color-safe charts, ensuring an inclusive experience that supports learning on the go without sacrificing clarity, usability, or essential functionality.

  • Start a lesson on your laptop, continue on your phone, and finish with a printable checklist, with progress syncing automatically, so you maintain momentum even during commutes, errands, or small breaks between meetings or family responsibilities.

  • Every video includes captions, transcripts, and adjustable playback, while templates use accessible colors and labels, and tools support keyboard navigation, ensuring users with diverse needs can learn effectively without additional software or steep learning curves.

  • Download PDF guides, printable planners, and template backups for use without internet, so you can continue budgeting during travel, outages, or focused deep work sessions, then sync updates effortlessly when you reconnect to your account.

Pricing and Guarantees

Choose a simple subscription with transparent billing and no long-term contracts, add optional coaching when needed, and enjoy a satisfaction promise, so you can start confidently, evaluate results quickly, and cancel anytime without penalties or confusing requirements.

Transparent Pricing

Your membership includes unlimited courses, template downloads, and tool access under a clear monthly fee, with taxes shown upfront and receipts emailed automatically, helping you plan spending precisely and avoid surprises on your statement or budget.

Cancel Anytime

Stop your subscription in two clicks from settings, retain access until the end of the current billing period, and keep downloaded templates, so you always remain in control without contacting support or navigating complicated retention scripts.

Satisfaction Promise

If you complete the first modules, apply the templates, and attend a Q and A within your first month yet feel no improvement, contact us for guidance or a refund, because your outcomes matter more than any subscription metric.

Frequently Asked Questions

What is included in the subscription?
Your subscription grants unlimited access to all current and future courses, the full template library, interactive tools, monthly challenges, and community support, plus live office hours and priority updates, so you can learn, practice, and track progress without additional purchases.
How do the courses work?
Courses are organized into short video lessons with worksheets and checklists, focusing on one achievable action per week. You can progress at your own pace, revisit modules anytime, and integrate templates directly, ensuring that learning translates into measurable savings habits.
Are my financial data secure?
Yes. We use bank-level encryption, tokenized connections, and strict access controls. You may choose manual entry instead of linking accounts, and you can request data export or deletion anytime, preserving privacy while still benefiting from automation and clear, actionable insights.
Can I cancel anytime, and what happens to my access?
You can cancel in settings with two clicks, and you retain access until your current billing period ends. Downloaded templates remain yours, and your profile stays available for later reactivation, preserving progress while maintaining full control over renewals and payments.
How is 1:1 coaching different from the courses?
Coaching adds personalized analysis, accountability, and direct problem solving. Your coach evaluates your numbers, recommends targeted changes, and helps implement automations, translating general lessons into specific next steps that fit your schedule, motivation patterns, and immediate priorities.
Which plan is right for me, and do you offer any guarantees?
Most people start with the monthly subscription to build core skills, then add coaching for acceleration or complex decisions. If you complete the first modules and still feel stuck, contact support for tailored guidance or a refund under our satisfaction promise.

Contact Information

Our Location

50 Charles St E, Toronto, ON M4Y 0C3, Canada

Email Address

info@xoliraventupa.com

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