Cash Flow

Let's Make That Big Dream

Come to Life!

What does this strategy look like?

Cash flow planning is the new budgeting. So if you are looking start saving for that new vehicle, trip to Mexico, or a new flat screen; this is the straight forward method of saving the RIGHT way.

Let's make a plan of action! First step is getting to know your needs and goals. No matter what financial state you are in, we can make a manageable route to achieving your big dream!

You will now have a guilt free spending plan that manages your cash flow. Working around your expenses and goals, we will show you the fool proof guide to saving money the EASY way and getting you closer to your dream.

This is the moment we have all been waiting for. Whatever you are saving for is now in reach! Attaining your goals feels great, and with our help, we can make it happen again, and again.

What does this strategy look like?

Cash flow planning is the new budgeting. So if you are looking start saving for that new vehicle, trip to Mexico, or a new flat screen; this is the straight forward method of saving the RIGHT way.

Let's make a plan of action! First step is getting to know your needs and goals. No matter what financial state you are in, we can make a manageable route to achieving your big dream!

You will now have a guilt free spending plan that manages your cash flow. Working around your expenses and goals, we will show you the fool proof guide to saving money the EASY way and getting you closer to your dream.

This is the moment we have all been waiting for. Whatever you are saving for is now in reach! Attaining your goals feels great, and with our help, we can make it happen again, and again.

Let's get you set up with a financial strategy

Here's what Cash Flow Planning is not

It is not budgeting. Budgeting is like a swear word to us since it doesn’t really work. Nobody has the time or desire to budget and when people start budgeting they tend to drop off after 2-3 months.

Basically, people rationalize their purchases because of their environment and circumstances, even if it does not accomplish what they ultimately want. The term for this in behavioral finance is called mental accounting bias.

So then what is Cash Flow Planning?

This helps you automatically manage the behaviors you have with money. It also works for everyone, regardless of age, income or profession. We help you focus on a BIG DREAM that you would like to achieve within the next 18 months…we are talking about big ticket purchases or experiences that you would Facebook about….so legit bragging rights are in order.

We spend time understanding what you really want and calculate that into reality to keep you focused and happy. Your plan structures your money in a simple, understandable way. The cash flow plan stops money leakage from rationalizing, and allows you to have guilt free cash flow for the things you love to do and buy. You can enjoy life while still nailing your long term goals and objectives.

Let's get you set up with a financial strategy

Here's HOW it works.

To accomplish your big dream we help you understand a couple more cash flow planning terms. The first term is active cash flow and it is what many people consider the fun category of spending. To manage the spending here we actually set up a separate bank account and have you transfer money from your main account into the new account on a weekly basis.

We calculate an amount to transfer weekly by looking at your income after all payroll and tax deductions and then applying some time tested advice. Once the money arrives weekly into your account you can do what you want with it. We are not going to micromanage your purchases and life since the system is self-regulating. That is money comes into the account weekly but when it is gone it is gone until the next weekly installment.

The second term is working cash flow and it is generally boring purchases that you don't get revved up about. These generally don't involve emotional decisions, this is the "adulting" side of expenses; the bills you need to pay to keep the house ticking. We won't need a second account for this, however, we will still measure and manage it.

Frequently asked questions about

Cash Flow Planning

  • Expenses you can control, at least to some degree.
  • Expenses that can be strongly influenced by emotion.
  • Expenses that are often variable.

Examples include:

  • Groceries
  • Eating Out
  • Kids Activities
  • Vacation
  • Clothing (you don’t need
  • Lattes
  • Hobbies
  • Payments that get you ahead
  • Payments that are often fixed
  • Payments that are not emotional in nature
  • Payments that are often automatic

Example of working cash flow include:

  • Mortgage payments
  • Insurance premiums
  • Property taxes
  • Child care
  • Car loan or lease payments
  • Gasoline
  • Investment contributions

Our cash flow planning controls the active cash flow as well as calculates the working cash flow required so that we can verify the reality of the BIG DREAM happening. It all becomes simple math for your life. Simply put, the monthly residual in the main account is multiplied by 18 months. If your residual is greater than the cost of your BIG DREAM then we can use the excess in other productive ways towards your success.

Let's get you set up with a financial strategy

Our Contact Info

462 4 St SE #201, Medicine Hat, AB T1A 0K6

(403) 487-0490

admin@swellwealth.com

 

 

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