Building Better Financial Habits
We started xerafionlo because too many people felt overwhelmed by their finances. Our team built a platform that makes budgeting less stressful and more practical.
How We Got Here
Back in 2018, our founder Neve Calloway was working as a financial consultant. She kept hearing the same frustrations from clients – budgeting apps felt disconnected from real life, and traditional financial advice seemed written for someone else entirely.
So she gathered a small team and started building something different. We launched xerafionlo in early 2020 with 200 beta testers from across the UK. Their feedback shaped everything – from how we display spending categories to the language we use in notifications.
What surprised us most was that people didn't need more features. They needed clarity. They wanted to understand where their money actually went each month without feeling judged about their spending choices.
What Makes Our Approach Different
Real Spending Patterns
We don't use generic budget categories. Our system learns from actual UK spending data and adjusts recommendations based on where you live and your lifestyle stage.
Flexible Goal Setting
Life changes fast. Our platform lets you adjust savings goals without resetting everything. Moved house? Changed jobs? Your budget adapts with you.
Context-Aware Insights
We consider UK-specific factors like council tax bands, regional cost differences, and seasonal spending patterns. Your budget reflects your actual financial environment.
Our Journey Since Launch
Platform Launch
Released our first version with core budgeting features. Started with 500 users across England and Scotland who helped us understand what actually mattered in daily money management.
Learning Centre Opens
Added educational resources after users kept asking for help understanding financial concepts. We hired educators who could explain things without jargon.
Community Features
Launched discussion forums where members could share budgeting strategies. This became one of our most valued features – people helping people.
Ongoing Development
This year we're focused on helping members prepare for major life changes – buying homes, starting families, planning retirement. These transitions need better financial tools.
Meet Some of Our Team
We're a group of finance professionals, educators, and developers who wanted to build something genuinely helpful. Everyone on our team uses xerafionlo for their own budgeting – we believe in what we've created.
Neve Calloway
Founder & Financial DirectorSpent 12 years in financial consulting before starting xerafionlo. Still remembers every frustrating budgeting spreadsheet that led to building this platform.
Freja Lindström
Head of EducationFormer economics teacher who joined us to make financial education actually accessible. Creates all our learning content and tests it with real users first.
Start Building Better Financial Habits
Our next education programme begins in autumn 2025. Learn practical budgeting skills that fit your actual life.
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