Understanding Money Through Real Stories
We started zanthoryvia because too many people felt lost when looking at their bank statements. After years of helping friends make sense of their spending patterns, we realized everyone deserves clear, honest financial guidance.
How We Actually Started
Back in 2019, I was sitting in a coffee shop when my friend Sarah pulled out her phone and showed me three different budgeting apps. She'd been trying to track her spending for months but still couldn't figure out why her savings account never seemed to grow.
That conversation changed everything. Sarah wasn't unusual – most people we knew had similar struggles. They could see where their money went, but understanding what it meant? That was the hard part.
We spent the next two years talking to hundreds of people about their money habits. What we discovered wasn't just about budgeting – it was about pattern recognition and understanding the story your spending tells about your life.
What Drives Our Work
Real Data, Real Context
Numbers without context are just noise. We help you understand what your spending patterns actually reveal about your financial health and future opportunities.
Practical Solutions
Theory is nice, but you need actionable steps. Every analysis comes with specific, realistic recommendations you can actually implement in your daily life.
No Financial Shame
Everyone has money stories and mistakes. We focus on understanding your current situation and building from there, without judgment or unrealistic expectations.
The Person Behind the Analysis
zanthoryvia started as a one-person mission to make financial analysis more accessible. Today, we're still focused on that personal approach.
Evelyn Thornfield
Former banking analyst who got tired of seeing people struggle with basic financial understanding. Now dedicated to making budget analysis actually useful for real people.
Why Personal Attention Matters
Big financial institutions treat everyone the same way, but your money story is unique. Maybe you're a freelancer with irregular income, or you're trying to save for a house while paying off student loans. These details matter.
I spent five years analyzing corporate budgets at a major bank. The same pattern recognition techniques that help businesses understand their cash flow can help individuals make better financial decisions. But you need someone who takes the time to understand your specific situation.
That's why every analysis at zanthoryvia is personally reviewed and customized. You're not getting a computer-generated report – you're getting insights from someone who has seen hundreds of different financial situations and knows what actually works.
Our Analysis Method
Pattern Recognition Over Criticism
Instead of telling you to spend less on coffee, we look for patterns in your spending that reveal opportunities. Maybe your grocery bills spike when you're stressed, or your entertainment spending follows your work schedule. These insights help you plan better.
Forward-Looking Analysis
Anyone can tell you where your money went last month. We focus on helping you understand what your current patterns mean for next month, next quarter, and next year. This is where real financial planning begins.
Seasonal and Lifestyle Adjustments
Your budget isn't static, and neither should be your analysis. We track how your spending changes with seasons, life events, and evolving priorities. This helps you prepare for predictable variations.
Actionable Recommendations
Every analysis includes specific next steps tailored to your situation. Not generic advice, but recommendations based on your actual spending patterns and financial goals. You'll know exactly what to do next.
Ready to Understand Your Financial Story?
Let's look at your budget trends together and create a plan that actually fits your life.
Start Your Analysis