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Wudilii Est. 2019

Family budgeting — real stories

Practical accounts from households working through income planning, spending habits, and savings decisions. No formulas, just situations people actually face.

How the Kelleher Family Paid Off €28,000 in Three Years
Case Study

How the Kelleher Family Paid Off €28,000 in Three Years

A timeline of deliberate choices, not dramatic sacrifices

A real look at how one Irish couple tracked every euro, made hard trade-offs, and cleared significant debt without a windfall or a miracle system.

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Fionnuala Drennan 2025 09 08
Running a Family of Four on One Income: What Actually Changed
Case Study

Running a Family of Four on One Income: What Actually Changed

A six-month timeline of a household income transition

When Roisin Farquhar left her job to care for her children, the family had six weeks to rebuild their entire financial structure. Here is what that looked like in practice.

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Ciarán Mulvey 2026 03 18
Rebuilding a Budget After Retirement: One Couple's Experience
Case Study

Rebuilding a Budget After Retirement: One Couple's Experience

How a structured spending review helped a retired couple regain clarity

Maeve and Brendan Tully had managed money well for decades. Retirement changed the structure entirely, and their old habits no longer fit the new income pattern.

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Aoife Hennigan 2026 05 31
Blended Family Finances: How Two Households Became One Budget
Case Study

Blended Family Finances: How Two Households Became One Budget

A two-year timeline of merging finances in a blended family

Merging finances when both partners have children from previous relationships is rarely straightforward. This case study traces how one couple navigated it over two years.

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Niamh Castleberry 2026 09 05
Building a Three-Month Emergency Fund on a Tight Budget
Case Study

Building a Three-Month Emergency Fund on a Tight Budget

A month-by-month account of building financial resilience on a constrained income

The Dunphy family had almost no financial buffer when an unexpected car repair made them realise how exposed they were. This is the 14-month process that followed.

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Oisín Flannery 2026 02 01
When the Mortgage Rate Went Up: One Family's Budget Adjustment
Case Study

When the Mortgage Rate Went Up: One Family's Budget Adjustment

A structured response to a sudden fixed cost increase

A variable rate increase added €340 per month to the Brennan family's mortgage. This is how they restructured their budget to absorb it without going into debt.

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Dearbhla Sweeney 2025 12 31

Who writes these accounts

Each case study is written by a practitioner who has worked directly with households on budgeting decisions — not a content team.

Budgeting consultant portrait

Tomáš Novotný

Household Finance Consultant

Tomáš has worked with over 200 families across rural and urban areas, helping them identify where money disappears before the end of the month. He focuses on fixed versus variable expense separation and realistic saving targets.

Financial educator portrait

Aoife Ní Bhriain

Financial Educator, Wudilii

Aoife leads live webinar sessions on income allocation and debt prioritisation. Her case studies draw from real participant situations, with all identifying details adjusted for privacy. She joined Wudilii in 2019 when the platform launched.

Attend a live session on family budgeting

Wudilii runs regular webinars where participants can ask questions directly and work through their own household numbers with a facilitator. Sessions are accessible from anywhere in Ireland.