Meet the People Behind xandromeliqo
We're financial educators who believe in making budgeting accessible, practical, and genuinely transformative for everyday Australians.
Marcus Chen
Lead Financial Strategist
The Journey That Started It All
Marcus didn't start his career thinking about budgets. Fresh out of university with an economics degree, he landed a corporate finance role where he watched colleagues earning six figures struggle with basic money management. That disconnect between income and financial wellness sparked something.
After spending evenings helping friends create their first budgets — and seeing the relief on their faces when money finally made sense — Marcus realized traditional financial advice was missing something crucial. It wasn't just about spreadsheets or investment portfolios. People needed someone who understood the emotional weight of financial decisions.
What sets Marcus apart is his background in behavioral economics combined with real-world experience helping over 800 Australian families restructure their finances. He's particularly skilled at working with people who've tried budgeting before and given up — understanding exactly where the common approaches fall apart.
These days, Marcus splits his time between one-on-one strategy sessions and developing xandromeliqo's educational programs. He's constantly refining the methodology based on what actually works for people, not what looks good in theory. His approach focuses heavily on building sustainable habits rather than perfect mathematical models.
Financial Psychology
Understanding why smart people make questionable money choices isn't just academic curiosity — it's the foundation of effective financial coaching. We dig into the emotional patterns that drive spending decisions.
Practical Budget Design
Every family's financial situation is different, which means cookie-cutter budgets rarely work long-term. We create customized systems that actually fit into real life — including the messy, unpredictable parts.
Debt Strategy
Debt elimination isn't just about mathematics — though the numbers matter. It's about creating a realistic timeline that doesn't require living like a monk while still making meaningful progress toward freedom.
Australian Property Planning
Home ownership in Australia requires navigating unique challenges — from first home buyer schemes to investment property considerations. We help people make informed decisions based on their actual financial capacity.
What Drives Our Approach
Financial education shouldn't feel like punishment or require you to become someone you're not. These principles guide every conversation, every program, and every piece of advice we share.
Reality-Based Planning
We work with your actual life, not some idealized version. That means accounting for the fact that you'll occasionally overspend, that emergencies happen, and that perfect consistency is a myth. Sustainable financial health comes from building flexibility into your system.
Education Over Quick Fixes
Understanding why certain strategies work helps you adapt when circumstances change. Rather than giving you a rigid plan to follow, we focus on building your financial decision-making skills so you can handle whatever comes next with confidence.
Progress Over Perfection
Small, consistent improvements compound over time into significant changes. We celebrate the person who consistently tracks 80% of their expenses over someone who creates a perfect budget they abandon after two weeks. Momentum matters more than precision.