Real People, Real Financial Education
We started falonexira because we got tired of seeing friends and family struggle with budgeting basics that nobody ever taught us in school. Our approach focuses on practical skills that actually work in everyday Canadian life.
Why We Do This Work
Back in 2019, I watched my neighbor Sarah lose sleep over credit card debt while working two jobs. She wasn't spending frivolously – she simply never learned how to track where her money actually went each month. That's when we realized most financial advice assumes knowledge that many Canadians never received.
We built falonexira to fill that gap. Our courses start with the absolute basics: setting up a simple tracking system, understanding your actual spending patterns, and creating realistic budgets that don't require perfection to succeed.
Meet Your Financial Education Guide
Our lead educator brings real-world experience from helping hundreds of Canadians develop sustainable money management habits.
Carmen Delacroix
Lead Financial Educator
Carmen spent twelve years working in community financial services across Ontario before founding falonexira in 2021. She's helped over 800 individuals create budgeting systems that actually stick – without requiring complicated spreadsheets or expensive software.
Her teaching style focuses on building confidence through small wins. Students often tell us that Carmen's courses finally made budgeting feel manageable instead of overwhelming. She holds her Certified Financial Education Instructor designation and speaks regularly at community centers throughout the GTA.
How We Teach Financial Skills
Our methodology focuses on building sustainable habits through practice, not theory. We've tested these approaches with real students since 2022.
Start With Your Reality
We begin by tracking your actual spending for two weeks – no judgment, no changes. This creates an honest baseline that most people find surprising and helpful.
Build Simple Systems
Our budgeting methods use basic tools you already have. No complicated apps or formulas – just practical approaches that work with your current routine.
Practice With Support
Students work through real scenarios during class time. We troubleshoot challenges together and adjust strategies based on what actually happens in your life.
