Who We Are
We started Pine Grovenet because we saw too many people struggling silently with money worries. Financial stress doesn't just affect bank accounts—it disrupts sleep, relationships, and peace of mind.
Our Beginning
Back in 2019, our founder Niamh Culhane was working in traditional financial advising. She kept noticing something odd: clients with solid financial plans still felt overwhelmed and anxious about money.
The numbers worked on paper, but the emotional weight of financial decisions wasn't being addressed. That gap—between financial logic and human experience—is what drove us to create something different.
We're not just about spreadsheets and budgets. We combine practical financial guidance with genuine understanding of what it feels like when money becomes a source of daily stress.
Our approach came from listening. Really listening to people talk about their relationship with money. What we heard shaped everything we do.
What Guides Us
Honest Conversations
We skip the financial jargon and talk about money the way real people do. No judgment, no corporate speak—just straightforward discussions about what's actually happening in your financial life.
Practical Support
Theory is nice, but it doesn't help at 2am when you're worried about bills. We focus on tools and strategies you can actually use, right now, in your specific situation.
Long-Term Partnership
Financial wellness isn't a quick fix. We're here for the long haul—through job changes, life transitions, and all those unexpected challenges that money brings along.
How We Work
We've spent years refining our process. It's not complicated—actually, simplicity is kind of the point. When you're already stressed about money, the last thing you need is a confusing system.
Understanding Your Reality
First session is always about listening. What's causing stress? What have you already tried? What keeps you awake at night? We map out your actual situation, not some textbook scenario.
Building Your Framework
Together we create a system that fits your life. Some people need detailed tracking, others just need a few simple guardrails. The approach changes based on what actually works for you.
Regular Check-Ins
Life changes, circumstances shift. We meet regularly to adjust the plan, troubleshoot challenges, and celebrate progress. It's ongoing support, not a one-time consultation.
Crisis Support
When something unexpected happens—and it always does—you don't have to figure it out alone. We're available to help you navigate financial emergencies without panic.
What We Actually Do
Our services evolved from client needs over five years. These are the areas where we consistently help people move from financial stress to financial stability.
Debt Navigation
Debt feels overwhelming because it's not just about numbers—it's about shame, fear, and that constant background anxiety. We help you create realistic payoff strategies while managing the emotional weight.
- Prioritizing multiple debts without spreadsheet headaches
- Negotiating with creditors when bills pile up
- Building payment plans that don't require living on bread and water
- Managing the stress that comes with owing money
Income Volatility Planning
Freelancers, contractors, seasonal workers—budgeting with irregular income is its own special challenge. We specialize in creating systems that work when paychecks don't arrive like clockwork.
- Building financial buffers during good months
- Creating flexible budgets that adapt to income changes
- Planning for tax obligations throughout the year
- Reducing anxiety about next month's income
Emergency Preparation
Everyone says to have an emergency fund. Great advice, but how do you build one when there's barely enough for this month? We work with real constraints to create safety nets that actually function.
- Starting emergency funds with whatever you can manage
- Identifying potential financial risks before they hit
- Creating backup plans for common emergencies
- Knowing what to do when the emergency actually happens
Relationship Money Conversations
Money arguments wreck relationships. Different spending styles, hidden debts, conflicting priorities—we help couples navigate these conversations without it turning into a fight.
- Facilitating productive money discussions between partners
- Creating shared financial goals that both people support
- Balancing individual spending freedom with joint responsibilities
- Addressing financial stress affecting the relationship
Let's Talk About Your Situation
Financial stress is isolating. You don't have to figure this out alone. We're based in Dublin but work with clients throughout Ireland who want practical support with money challenges.
Start the Conversation