Planning money across years is a different skill than managing it month to month
Rinozuy brings together people who are serious about building financial stability — through live webinars, honest conversation, and practical tools that hold up over time.
Structured around decisions, not just concepts
Built around real scenarios
Sessions work through actual situations — variable income months, unexpected costs, mid-year budget shifts — not textbook examples.
Live timing, not pre-recorded
Questions get answered in the session itself. The format keeps the content grounded in what participants are actually facing.
Shared with people in similar positions
Participants tend to be at similar life stages. That shared context makes the discussion more relevant than a general personal finance course.
Budgeting across years requires a different frame of reference
Most financial content focuses on the next 30 days. Rinozuy sessions are built around five-year horizons, irregular income patterns, and decisions that compound over time.
The approach is practical — spreadsheets, planning frameworks, and worked examples that participants can adapt to their own situation immediately after the session.
What we coverWhen something in a session doesn't land, there are ways to follow up
Budgeting is not linear. A concept that seems clear in a webinar can feel less certain when you apply it to your own numbers a week later.
A clear picture before you commit
Access to one live session, the recording for 30 days, and session materials. Suitable for testing whether the format works for you.
Six sessions covering a connected theme, with written Q&A access between sessions. Better suited to building a complete planning framework.
All sessions across the year, archive access, and one included one-to-one review. Designed for people who want to revisit and refine their approach over time.
The doubt most people arrive with
Plenty of visitors to this page already have a budget of some kind. They're not sure whether a webinar adds anything beyond what they've already figured out on their own.
It's a fair question. The sessions are most useful when the existing approach has gaps — irregular income that doesn't fit a monthly template, or a multi-year goal that's hard to work backwards from.
If your current system is working well, you may not need this. But if you're regularly adjusting figures without a clear reason why, that's usually where the sessions become useful.
"I had a budget that technically worked but I kept making the same adjustments every quarter. The session helped me see what I was actually compensating for."
Cormac Ó Briain — participant since 2022Is this suitable if I'm already fairly organised financially?
Possibly, yes. The sessions focus on longer horizons and less predictable variables — areas where even organised budgeters often have blind spots.
Do I need to share my personal finances in the session?
No. Examples are worked with anonymised figures. Participants choose what to share. The format is discussion-based, not disclosure-based.
What if the timing doesn't suit my schedule?
Sessions run at varied times across the week. The recording covers most of the value if you miss a live session — though the live Q&A is harder to replicate.
Are results guaranteed?
No. What you take from a session depends heavily on how you apply it. The sessions provide frameworks and worked examples — the implementation is yours to do.
What's currently running
A selection from the active programme — full details and dates on the programme page.
Budgeting when income doesn't arrive in equal monthly amounts
Designed for freelancers, seasonal workers, and anyone whose income varies significantly month to month. Covers buffer-building, annual averaging, and planning around the gaps rather than against them.
Full programme details
Setting a five-year financial target without guessing
A single session on how to build a long-range target that accounts for inflation, life changes, and realistic saving rates — without needing to predict the future precisely.
Session details
A full year of sessions across connected budgeting themes
Access to every session across the year, with the ability to attend live or watch recordings. Includes one scheduled review with a facilitator to look at your own planning approach.
Membership details