Automate your Cashflow & Move Towards Your Goals
"Click play for an audio guide"
So today, you will be learning how to automate your cash flow so that you can:
Pay off any credit card or personal debt twice as quick (if you don’t have debt, you’ll get to save more!)
Save hundreds of hours yearly by saying goodbye to manual checking
Get clarity on your flow of money, money ins and outs and direct them to your goals
Have a structure that allows you to enjoy life now, and also plan for your future
100% of all the clients I've worked with managed to do so. So, the odds are in your favour for sure.
If you’ve completed the Goal Setting steps with care, you will find this next step much easier and liberating.
“I just don’t like the word budgeting.”
Budgeting tends to bring more negative thoughts and emotions like guilt, restriction, frustration etc. Actually, budgeting is nothing more than becoming aware of your money flow. How much money is flowing in and how much is flowing out. From there, you can make decisions on where you want to spend your money intentionally.
“Budgeting = Awareness of Your Money Flow”
Keep scrolling for if you'd like to learn more about our budgeting system called the Simple Money Flow. 100% of my clients, my partner and I use it. It's simple.
Simple Money Flow
STEP 1: OVERVIEW
The Simple Money Flow system is made of 4 accounts:
1. The Hub - this account is the main account. It receives all your income. If you have an offset account for your mortgage, you may consider it as a Hub account.
2. Lifestyle - some clients call it "Fun Money" or the "Splurge Account". You will have a fixed weekly transfer into this account, linked to a Direct Debit card (not a Credit Card). This account caters for your coffees, brunches, lunches, night outs, etc.
3. Bills - this account is specifically for fixed, re-occurring bills and living expenses. A monthly amount can for into this account. i.e. petrol, rent, groceries and etc.
4. Goals - this account is specifically for planned goals such as paying off debt, holidays, car purchases etc.
STEP 2: LET'S GET FACTUAL
To help you even further, I'm sharing with you an "All-Done-For-You" spreadsheet to get the figures you need for each transfer.
Please allow at least 30 min of quiet time to attempt this. You can download it here.
STEP 3: LET'S TURN THIS INTO REALITY
Once you've completed the spreadsheet and made adjustments to your liking, you can now align your accounts to what's on that spreadsheet. That's it!!! You are on your way to financial security and stability.
Implementing this system may take some time and effort, but the amount of money, time and energy you will save in the long run is definitely worthwhile.
You can click play and watch the explanation video below.
So what's next? You can scroll down further to find out more.
If you really want to quicken and deepen the process, we are offering you an opportunity to do so by working 1:1 with Vivian.
Click on the link below to book a complimentary 30 minutes Alignment Coaching Session to explore how Vivian can help you gain more control over your finances and improve your Financial Wellbeing.
WHAT CLIENTS SAY...
"I've never felt more in control with my finances."
"Vivian is a sincere, thorough and profoundly knowledgeable Financial Wellness Coach."
"Vivian coached me through my career change and showed me a new way of managing my money. It was an eye-opener and there was no turning back."