Money doesn’t have to be complicated.

From budgeting to investing, we make it easy to understand and simple to put into action.

Two smiling women standing side by side outdoors in front of a wooden fence.

Hi, we’re Amanda and Siobhán. Two best friends who used to feel completely lost when it came to money. We were overspending, living above our means, and had no idea how much was coming in or going out each month.

In our late twenties, we decided it was time to figure it out. We paid off close to $100k in student loans, built healthy savings, and learned how to invest. It completely changed our lives. Getting better with money gave us freedom, options, and a sense of control we’d never felt before.

We started Hiver to take the stress out of money and show you how to take control with confidence.

Think of Hiver as your friendly starting point for building a better relationship with your money.

Every course, tool, and guide is free, because we believe cost should never be a barrier to learning.

Money 101: What They Didn’t Teach Us in School

Our free beginner course that covers the basics of budgeting, saving, and investing so you can start building the life you want.

Free Budget Tracker

A simple tool to help you understand your spending and saving habits so you can make changes that stick.

The Hiver Blog

Helpful tips, personal stories, and clear explanations to help you spend smarter and save more.

The No-Grocery Guide

A free recipe e-book we created with Chef Jill, filled with easy and healthy meals using what you already have at home.

The Hiver Newsletter

A friendly note from us every week with a personal update and a new money topic to explore, packed with practical tips you can use right away.

Our Community

Since 2019, we’ve shared our money journey and what we’ve learned with more than 70,000 people around the world. We know what it’s like to feel unsure about money, and we also know how life-changing it feels when things finally start to click. We keep things honest, practical, and jargon-free, because that’s the kind of help we wish we’d had when we were starting out.

Some things are worth every penny🙋🏼‍♀️ I’m not talking about luxury handbags or designer furniture, but the everyday items where paying a little more has made a huge difference for me. My favourite boots and coats that last year after ye
A few conversations I wish I could have with younger me… too bad time machines aren’t a thing yet🙃 #personalfinanceforbeginners #investingbasics #financialliteracy #millennialmoney
I actually started investing when I was 27. I’m glad I started when I did, but I really wish I had known more about it earlier. Even small amounts in my early twenties could have made such a big difference. You don’t need a lot of money
I’ve been teaching financial literacy for 5 years… and I still struggle with financial anxiety. I used to believe that once I got a better job, earned more, invested, and bought a home, my financial anxiety would disappear.
 But here&rs
❤️Waterloo is home in so many ways. It’s my past, my education, a place that shaped who I am today. If you’re a homeowner, I’d love to hear about how you were able to save up to buy your first home (high salary? parents help? movi
I love travel hacks, but so many of the ones I see feel exhausting. Wake up at 4am to beat the crowds. Go to 4 different websites to find the best deal. Book on a Tuesday. No thanks. These are the hacks I actually use. They’re all super easy a
I’m about to lose my job so here’s what I’m cutting (temporarily) from my budget to stay sane and secure. I’ve been through a lot of uncertainty over the years, from working in corporate to teaching and whatever comes next. A
What you see online is rarely the whole story. It’s easy to scroll past someone’s new job, big move, or dream vacation and think “wow, they’ve really got it all figured out.” But behind every highlight is a lot more tha

Our Partners

Along the way we’ve teamed up with amazing creators, chefs, and brands who share our belief that financial education should be available to everyone.

“I used to feel so overwhelmed and stressed about money, but you both made it feel doable. Thank you for making this stuff make sense and for never making me feel judged for starting late.”

— EMILY R.