Category Archives: Cash Flow

Cash Flow is a critical and often neglected skill. Master this one skill and you will have a financial foundation as strong as the best of them.

Plan Your Spending Using Annual Numbers

When creating a cash flow plan, planning your spending using annual numbers makes a huge difference and allows you to easily compare different expenses.  Often little expenses are [..]

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Finding savings without sacrifice

Budgeting is usually surrounded with the idea of sacrifice, coupons and hardship.  However there are some great options to save money without these.  Here are a few ideas; 1.  Banking fees [..]

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Listing Expenses By Priorities, C7

This step takes the list of expenses you created a couple of steps ago and re write it in order of priority.  For this you can exclude price as [..]

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Honest Income Estimate

With an understanding of your expenses, it is time to list your income.  For this an honest, conservative  and organized estimate is always the best plan. If an income estimate [..]

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Collecting Your Real Spending, C5

Too often when creating a budget, the numbers are invented and the time is not taken to observe our current spending.  This often is dramatically different from the reality,  making [..]

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Sacrifice And Extremes Do Not Help. C4

Budgeting and sacrifice seem to go together.  Since this is my blog and I do not believe in sacrifice that just won’t do.  However I see it all [..]

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Critical Steps to Make Cash Flow Successful, C3

Any change in life can be a challenge to make stick.  When changing spending habits, addressing a few common hurdles in advance can go a long way to ensuring [..]

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Why Bother? C2

  Why bother?  Is a great question before starting, exploring why you want to make the change is important.  At first the answer always seems obvious, however if [..]

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Cash Flow Series, C1

Cash flow is the most critical of all financial concepts (often called Budgeting, a word I do not particularly like).  If you do not effectively manage your income and expenses, [..]

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