ways to increase cash flow

5 Ways to Increase Your Personal Cash Flow

Our personal cash flow is the underlying tool we use to achieve our financial goals. A salary or some form of compensation for performing a job is typically the most common form of personal cash flow. On a monthly basis, we decide what to do with our cash flow and how it’s allocated ultimately determines[…]

healthy financial habits

Why Developing Healthy Financial Habits is Better than Budgeting

Long-term financial success can largely be attributed to how we manage our monthly cash flow today. That’s not to say it 100% predicates whether we’ll be financially secure in the future, but it does greatly enhance our chances. When it comes to managing our monthly cash flow, oftentimes personal finance gurus will point to strict[…]

hacks to upgrading your finances

6 Hacks to Upgrading Your Finances

I put together a list of ideas that aren’t necessarily the commonly preached methods to better managing your money. We all know we should save, invest, and spend within our means, but the steps to doing so aren’t always so clear-cut. My hope is these 6 hacks to upgrading your finances will help you understand[…]

personal expense worksheet

Free Personal Expense Worksheet

We developed a personal expense worksheet to help our clients identify where they’re spending their money, and how much they’re spending on average, monthly and annually. We hesitate to call it a budgeting template because it’s not. We don’t believe in traditional budgeting unless it’s truly necessary to break bad spending habits. For most people,[…]

best way to budget

Best Way to Budget: Automation

A budget is similar to a diet. What a diet is to physical health, a budget is to financial health. Both are developed to improve yourself, but neither are typically sustainable. More often than not they’re temporary lifestyle changes, not permanent behavioral changes. As a result, we’ve found the best way to budget is through[…]

Financial Planning for Recent College Graduates

According to a recent study conducted by Korn Ferry, the average starting salary for a college graduate in the U.S is projected to be slightly under $50,000 in 2017. The average student loan debt upon graduation is roughly $37,000. Without any financial experience or knowledge, this can be a lot to overcome. I’ve built a hypothetical[…]