Budgeting just got WAYYYYYY easier.
The Cash Flow Formula is a plug-and-play spreadsheet that helps you forecast your money, stop overdrafts, and plan for the future... no math degree required.
Instant download.
One time charge. No recurring fees.
Just enter a few personal numbers and the rest is done for you ✨ auto-magically!
The Cash Flow Formula - used by over 42,800 families, helps you predict your bank balance and better manage your money in less time.
Reg. $79
Sale Price: $29
That's 63% off!
Instant download.
One time charge. No recurring fees.
AS SEEN ON...
"We have tried Dave Ramsey before and we were able to pay off debt but we didn’t stick with it and we have more debt again.
Kati’s book was really good, easy to read and full of info... the best part though is the chart thing where you plug in your info to see what you should have in each category.
We’re going to try to get back on track financially this year and this will help! Thank you so much for the information (and the motivation and encouragement) Kati!"
~ Jenny P.
Cash Flow Formula Customer
Let me ask you a couple questions...
Can you predict your cash flow 6, 12 or even 18 months into the future?
Do you spend less than 30 minutes a month paying your bills and "checking in" on your budget?
Do you know where you stand financially when an unexpected expense happens?
Do you enjoy paying overdraft fees?
Are you loving living paycheck to paycheck?
If you answered NO to any of these questions, then the Cash Flow Formula can help you.
Reg. $79
Sale Price: $29
That's 63% off!
Instant download.
One time charge. No recurring fees.
Wouldn't it be nice to...
Stop wondering (aka worrying) about how you're going to pay for everything your kids will need soon (not just the necessary stuff like shoes, clothes and gymnastics class I mean the extra fun stuff you WANT for them like the newest video game and inflatable slides at their next birthday party!)
No longer wonder where your money is disappearing each month (and stop fighting with your spouse over it too).
Stop counting down the minutes until payday because you're worried something might come through (and bounce), or you need to go grocery shopping today (instead of having to wait until Friday).
Pay cash for those big things that always "pop up" unexpectedly (without using a credit card or draining all your savings).
Go on vacation so you can make memories with your kids (before they grow up) without stressing about how to pay for the credit card bill when you get back.
Your family deserves to enjoy life without stressing out about money.
Instant download.
One time charge. No recurring fees.
"I absolutely love the spreadsheet!
I have been trying to accomplish something like this but never able to get it just right. This, however, is much more than I expected! And the customer service is great! I had a quick question and she responded as well as sent me a video tutorial.
I will definitely recommend this!"
~Trey Q.
Cash Flow Formula Customer
INTRODUCING THE
The Cash Flow Formula is a step-by-step system to claim control over your family finances without "budgeting" or restricted spending.
Just enter a few personal numbers and the rest is done for you ✨ auto-magically!
Managing Your Money Does NOT Have To Be Complicated
What if you could spend just 15-30 minutes per week checking in on your finances?
What if there was a simple way to organize your finances that allowed you the freedom to spend more, pay off debt ... and go on a large vacation more than once a year?
Would you finally take the leap from a sleep-deprived and overstressed mama to becoming a money managing powerhouse who gets to say yes every time your kids ask you for something when you're shopping at Target?
Now, wait... before you click away and say "Oh, she's cray, cray..." Please hear me out.
I'm going to show you exactly how to use your current spending to forecast your spending for the rest of the year (done for you automagically) by tomorrow afternoon.
Not just forecasting the dismal future though... I'm talking about infusing HOPE into your bank account so you will see the light at the end of the tunnel.
Get ready to sit back and relax all snuggled up on the couch with your kids watching Disney+ while your bank account manages itself FOR YOU.
You'll receive INSTANT access to the Cash Flow Formula:
Reg. $79
Sale Price: $29
That's 63% off!
Instant download.
One time charge. No recurring fees.
FACT: You CAN have intentional control over your money and QUICKLY organize your finances without "budgeting" and restricted spending.
(It sounds like a crazy big promise, I know.)
But I am living proof.
And I can help you do it too.
"Wow""
I have made spreadsheets for budgeting before and I have to say that this is an awesome spreadsheet."
~ Patricia S.
Cash Flow Formula Customer
Hiya! I'm Kati,
I'd be honored to help you manage your money this year.
I was an accountant before I was a mom, but the 2009 downturned economy taught me how to use my "math brain" to be a better money manager. Now I obsess over helping other moms get a better handle with their money too. (Because kids grow up and they cost more the bigger they get.)
I'm not JUST a personal finance coach, I'm also an accountant. Yep, #iloveexcel. I am good at analyzing, tweaking, and simplifying. I was a crazy coupon lady for several years and taught thousands of people how to save tons. My students and followers rave about how I'm able to take complex processes and break them down into the simplest form so that it can be easily duplicated.
I'm OBSESSED with simplicity and efficiency because I don't have 14 hours a day to try to figure out what category our spending should go into (what if we shop at Target and we buy pillows AND clothing?!!) but I also homeschool our kids and before the pandemic, we went to Disney World every month. #makingmemories
I've helped busy moms save thousands of dollars since 2010. For 6 years I shared my money-saving knowledge on two Fox TV segments every Sunday morning. My unique savings techniques have also been featured in The Huffington Post, Yahoo Finance, The Washington Post, Clarke Howard, and countless TV stations as well as several radio shows.
Teaching is my passion. We are a homeschool family of 6 and I love teaching. I've taught over 600 live in-person workshops, with approximately 100 people in attendance for each (my largest had over 1,200 in attendance!). I can't help but share my excitement when YOU are successful with my same strategies. #successisaddicting
I'm living proof. The strategies you'll learn in this program were the exact ones we used to pay off over $60,000 in debt in 3 years (living on one income).
This magically simple cash flow strategy uncomplicates your finances and automates the process so you don't spend your valuable time on frustrating math.
With consistent use, the Cash Flow Formula will pave the way to achieving larger financial goals such as paying off debt or having enough savings to buy a car outright.
It's like an immediate mental detox of all the hundreds of dollars of budgeting programs you've purchased in the past that didn't work (because the way everyone else teaches "budgeting" DOES NOT WORK!!).
What would your life look like if you could:
CONFIDENTLY know when you have enough money to spend $100 for your family to go to the movies (or mini-golf, or ... because you have an unshakable pulse on your money.
Know EXACTLY what to do when an unexpected emergency pops up so you don't dip into savings.
Stop wasting your precious time setting up a budget (what I call a "wish list") just to have it fail after the first month because it's too frustrating to keep up with.
No more hoping and praying that you won't miss a bill payment because you finally have a simple but powerful planning system for your cash flow that will allow you to see into the future and know how much money you will have. (Without having to do ANY math calculations!)
Be able to stop off for ice cream after your kids big game (or go to a spontaneous lunch playdate at Chick-fil-A) without the guilt of knowing you shouldn't spend money on it.
What are you waiting for, friend?! It's time to hit the easy button on managing your money!
Reg. $79
Sale Price: $29
That's 63% off!
Instant download.
One time charge. No recurring fees.
"The ultimate in home financial management.
I was impressed with how all of the formula worksheets flow together. The Debt Tracker sheet is the best... it automatically calculates how long it would take to pay off a debt. It has been so helpful in changing how I view minimum payments.
Great product, Kati!"
~ Leigh R.
Cash Flow Formula Customer
Hey Friend! I'm Kati.
I can help you maximize your money using simple and easy-to-implement strategies so that you can have more moolah for fun things (like Disney World) with your kids.
I'm OBSESSED with simplicity and efficiency because I don't have 14 hours a day to spend customizing the categories in a budgeting software (because... see those cute smiles right up there?!) but I also homeschool my kids and we often go to Disney World (which costs $$).
When my daughter was about to start kindergarten I stepped away from my accounting career to be a stay-at-home mommy. The 2009 recession hit my family HARD so I had to learn how to use my math brain to shop with strategy and save money... and then manage it all in less time than it takes to make pancakes for breakfast in the morning.
I love helping others manage their money to successfully pay off debt and go on crazy fun vacations.
Because Managing Your Finances Changes Everything...
The Cash Flow Formula comes with a golden rule satisfaction guarantee. No one has time to mess around with something that doesn't do what it says it will. So if you are not satisfied, please reach out within 30 days and get a refund. I have faith you won't even need it, but it's here if you're not happy with your purchase.
"O.M.G. This is Amazing!
I am not new to finances, but this has given me great information and action steps!
Don't second guess this, get it now!"
~ Crystal T.
Cash Flow Formula Customer
FREQUENTLY ASKED QUESTIONS
How does this compare to YNAB or Dave Ramsey's program?
The Cash Flow Formula is actually the opposite of Dave Ramsey’s philosophy because we use your current spending to reverse-engineer your budget (instead of printing past bank statements and starting there). And then this program forecasts your future bank balance so that you’re never caught off guard by any bill again.
I took FPU several years ago and just couldn’t stick with it. Oh, don’t get me wrong... I love a good “zero-based budget” but I believe they should be used in the context of million-dollar companies, not for us normal people (I was an accountant before I was a mom so I have the experience to be able to say that).
YNAB uses the concept of budgeting on past income... the Cash Flow Formula uses your current income to reverse engineer your budget (so you don't actually create a budget, it is done for you and then you just analyze what it says for future spending). YNAB forces you to interact with it way more than my program... where you'll just set up your monthly bills list ONCE and then each week simply add exceptions or update what you "estimated" to the actual amount.
Now listen, if what you're using is working. Don't switch! I'm from the philosophy that "if it ain't broke, don't fix it!"
Is everything in a PDF format? Do I need to have Excel in order to use this program? How exactly does it work?
Immediately after you checkout, you'll be taken to a login screen to access the program plus any bonuses you bought with your purchase.
You'll find a link to the Spreadsheet underneath the first video.
We suggest you use it via Google Sheets which means you'll need a (free) Google/Gmail account to access the file from your Google Drive (which is also free).
You do not need to have Excel to access the program, but if you already have Excel (or Numbers if you're on a MAC) and prefer to use it then we include a link to Excel and/or Numbers inside the program.
There are also instructions for how to print the program if you prefer to use pencil and paper (or a hybrid version).
In other words, you can start using the system immediately either electronically or by printing it (or both).
If I buy the program today will I get any future updates?
Yep! And believe it or not... you'll get future updates forever! Products always improve with time and that means the price goes up. I hate when companies later come out with "version 2.0" and I don't get new access, so I provide LIFETIME UPDATES so that you'll always have access to the newest version for FREE.
Is this a one-time fee or are there any additional recurring fees?
I know that this program sounds so good that it can't possibly only be a one time cost. But it IS true. There are no recurring charges and you will only be charged once.
How do I access my purchase?
You will be able to access the program immediately after you checkout and links to everything will also be emailed to you as a backup record. If you don't see it in your email inbox, it's probably in your spam folder. You can also email Kati@TrueMoneySaver.com if you can't find it and I'll give you the direct link.
Do you offer refunds? What if I decide this isn't for me?
We have very few people ask for refunds but I believe in this product SO much and I value our relationship and my reputation more than $29 bucks. So if you aren't satisfied, please reach out via email within 30 days and ask for a refund.
Can I use the Cash Flow Formula for my small business?
Yes! You will love how the Cash Flow Formula helps your business forecast your income and accurately estimate your expenses. You'll finally see how to adequately plan the future of your business. I've helped realtors, stylists, servers, and many others who run service-based businesses successfully get a handle on their money.
Why is this so cheap? Is it junk or a scam?
This is NOT a scam. I know, most money management (or budgeting) systems charge a monthly fee and end up costing well over $100 EACH YEAR. While I could charge that much for this one too, it's priced super low because:
1.) This is a Flash Sale so the low price is only available for a limited time.
2.) I want to help the most amount of people possible get their money under control because I know how it feels to need help.
I should probably also mention that my ultra deceptive plan is for you to dig in, see how wonderful life becomes when your money is under control and then come back to buy one of my other products to help you with other areas of your finances. 🙌🏼
Can I resell this product?
No. The Cash Flow Formula is for personal use only. While I'm honored that you're excited about helping your own customers with my product this product is not allowed to be resold. We do have a referral program that you can sign up for immediately after you purchase. You can earn unlimited rewards and it's paid via PayPal. 🎉
You need more cash for your family to flourish and thrive.
Don't let it slip through your fingers unmanaged for one more day.
Reg. $79
Sale Price: $29
That's 63% off!
Instant download.
One time charge. No recurring fees.
