Building Financial Confidence Through Education

We started rymalexovira in 2018 because we saw too many people making financial decisions without really understanding their options. Not flashy stuff—just everyday folks trying to keep their budgets from falling apart when something unexpected happened.

What began in a small community room in Dungog has grown into something we're genuinely proud of. We focus on budget contingency planning because, honestly, that's where most people need the most help.

Financial planning workshop session with participants reviewing budget documents

Why We Do This Work

Financial education shouldn't feel like decoding secret messages. But that's how it feels for a lot of people.

Back in 2017, I was running informal budget workshops from my kitchen table. Friends would come over, we'd have coffee, and I'd help them figure out where their money was actually going. One evening, someone asked me why this kind of straightforward advice wasn't available everywhere. Good question.

So we set up rymalexovira the following year. The name came from wanting people to feel like they had control over their own financial rymalexovira—not some abstract concept, just their actual day-to-day money decisions. We started with weekend sessions at the Shire Community Centre, teaching maybe eight people at a time.

What surprised us most was how many people had never actually built a contingency plan. They had savings, sure, but no real strategy for when the car needed repairs or the roof started leaking. That became our focus—helping people prepare for the stuff that inevitably happens.

Now we're planning our 2026 programmes and still working from the same community centre. We could have moved to fancier premises, but there's something about the setting that keeps things grounded. People relax more when they're not walking into a corporate office building.

How We've Grown

2018
First Workshops

Started with eight participants learning budget basics in borrowed community space. Everyone knew everyone, which made the conversations honest.

2021
Contingency Focus

Shifted entirely to contingency planning after realizing this was where people struggled most. Developed our core curriculum around real emergency scenarios.

2023
Regional Reach

Expanded to serve participants from across the Hunter Valley region. Started offering both in-person and guided online formats for accessibility.

2024
Programme Refinement

Updated all materials based on participant feedback. Added more practical exercises and fewer theoretical concepts.

2025
Current Work

Running quarterly programmes with waitlists. Developing new content for 2026 based on changing economic conditions in Australia.

2026
Next Chapter

Planning specialized sessions for specific life stages—early career, families, pre-retirement. Applications open October 2025.

Participant working through budget contingency scenarios
Group discussion during financial planning session
Reviewing personal budget plans and contingency strategies

How We Teach

Real Scenarios Only

We don't use hypothetical examples. Everything we teach comes from actual situations people have faced—job loss, medical expenses, vehicle breakdowns. You learn by working through scenarios that might actually happen to you.

Small Group Format

Maximum twelve participants per session. This isn't about filling seats. It's about having enough time for individual questions and making sure everyone understands before moving forward.

Build Your Own Plan

You leave with a contingency plan specific to your situation. Not a template—your actual plan with your numbers and your priorities. We help you build it during the sessions.

Follow-Up Support

After the main programme ends, you can schedule quarterly check-ins. Life changes, budgets change. We help you adjust your plan as needed without charging for every conversation.

Who Teaches

Our instructors have backgrounds in financial counseling and adult education. More importantly, they remember what it's like not to have all the answers.

Siobhan Rafferty, Financial Education Director at rymalexovira

Siobhan Rafferty

Financial Education Director

I spent fifteen years in community financial counseling before starting rymalexovira. Saw too many people in crisis who could have avoided it with better planning. Now I teach the planning part—the boring but essential stuff that keeps small problems from becoming big ones. I live in Dungog with two dogs who think budgeting means rationing their treats.

Next Programmes Start October 2025

We're accepting expressions of interest for our autumn 2026 programmes. Sessions run over six weeks, covering everything from basic contingency planning to handling major financial disruptions.

Get In Touch