Budget Planning Built on Real Experience
We started linarurone in early 2019 after spending years watching businesses struggle with contingency planning. Not because they lacked discipline, but because most approaches felt disconnected from how money actually moves through organizations.
Our team worked in corporate finance for a decade before this. We saw the same patterns repeat: businesses would create contingency budgets that looked perfect on paper but fell apart when genuine pressure arrived.
So we built something different. Our approach focuses on teaching realistic buffer strategies that adapt to your actual cash flow patterns rather than theoretical models that assume everything goes smoothly.
How We Got Here
Foundation Year
Started with three people and a shared frustration about traditional contingency planning methods. We ran weekend workshops in Bendigo, testing ideas with local business owners who were generous enough to share their real numbers.
Methodology Refinement
Spent eighteen months analyzing what actually worked from our early sessions. Removed about 40% of what we initially taught because it looked good in theory but didn't help people make better decisions when revenue dropped unexpectedly.
Educational Programs
Launched structured learning programs after requests from participants who wanted deeper guidance. Our autumn 2025 cohort starts in March, with enrollment opening in January for businesses looking to strengthen their financial resilience.
What We Focus On
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Practical Buffer Strategies
Teaching businesses how to build contingency reserves that match their actual expense patterns. We look at your real data rather than applying generic percentage rules that often miss the mark.
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Scenario Planning Methods
Walking through revenue disruption scenarios using your specific cost structure. This helps identify which expenses can flex and which ones need deeper reserves before problems arrive.
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Cash Flow Visibility
Building simple tracking systems that show when funds might get tight. Many businesses we work with had no clear view of upcoming shortfalls until they were already managing crisis mode.
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Decision Frameworks
Creating clear criteria for when to use contingency funds versus adjusting operations. Having these guidelines ready before stress hits makes a meaningful difference in outcomes.
Who Guides the Programs
Our teaching team brings hands-on experience from managing finances through actual business challenges rather than just studying them academically.
Vesper Lorelei
Lead Financial Educator
Vesper spent twelve years working in financial planning for mid-sized companies before joining linarurone in 2020. She's the person who pushes us to make sure every concept we teach has clear application to real business decisions.
Her background includes navigating two major company restructures and one near-bankruptcy turnaround, which shapes how she approaches contingency planning. She's particularly focused on helping businesses understand their genuine risk exposure rather than following standard advice that may not fit their situation.
Outside work, Vesper volunteers with local business groups in regional Victoria, helping owners think through financial decisions when they don't have full-time finance staff. That experience constantly reminds us who we're actually serving with these programs.
