What if managing your finances was (actually) FUN? Sounds crazy, right?!!

This BRAND NEW program helps busy moms who don't want to budget, have more spending money and stop stressing out about the bills getting paid (on time).

Does the thought of reading your bank statement make your palms sweat and your heart beat faster?

Would you rather organize everything in your kitchen pantry to avoid talking about your family's weekly spending? 

Does hearing the word "budget" make you want to curl up in a ball and binge watch episodes of Cupcake Wars?


I was you.

And I'm here to tell you THIS YEAR (2020) doesn't have to be that way.

THIS year you can stop worrying about overdraft fees.

THIS year you can stop living paycheck to paycheck.

THIS year you can stop playing the credit card juggling game.

And finally stop stressing out about your bills!

If you've ever wanted to know how to have enough of a "buffer" in your checking account so you won't bounce any bill payments... then the next few scrolls are going to make you a VERY happy person.

If you want to have a system in place that takes you less than 30 minutes per week to just "check in" on your finances to make sure they are doing exactly what you thought they were... so you can say to your kids:

"YES! Let's go to the movies tonight!"

without stressing out that you really can't afford the movies this weekend...

then keep on reading!

Let me show you how to manage your money so you have more of it, so you can say "YES!" more often to making fun memories (that cost money) with your kids. 

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.

"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 

I spend just 15-30 minutes per week checking in on my finances, have dug outta tens of thousands of dollars of debt, and now take my kids to Disney World every month. #annualpassperks

What if there was a simple way to organize your finances that allowed you the freedom to spend more, pay off debt ... and save for a large vacation more than once a year? 

Would you finally take the leap from a sleep deprived and overstressed (and frustrated) mama to becoming a money managing powerhouse who gets to say yes every time your kids ask you for something?

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 auto-magically) by tomorrow afternoon. Not just forecast the dismal future though... I'm talking about infusing HOPE into that 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.

Managing Your Money Does NOT Have To Be Complicated

That's why I'm offering you instant access to the Cash Flow Formula - my cash flow management system, "no fluff" income and expense strategy to help you better manage your money... 



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!!).

How would your mommy life be different if you could:

  • CONFIDENTLY know when you have enough money to go out to eat or to the movies... 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.  
  • EASILY continue this process month after month because it takes so little time to do (and it's actually fun to see the numbers auto-magically populate!).  
  • Stop wasting your precious time setting up a budget (what I call a "wish list") just to have it fail after the first week 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 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.  
  • You may have been struggling with managing your monthly bills and worrying that you don't have a solid plan for making sure you don't overdrafte your account... until now.


"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 

You really want the best for your family. You want them to have everything they need, plus the desires of their hearts... but the cash flow just isn't there to give them every single thing.

Maybe you have a side hustle that you're trying to market when you hang out with your mommy friends. Trying to look like you aren't promoting yourself, or you don't need them to buy... even though that's exactly why you're there, and what you're doing. (It's okay, I've done it too!)

Or maybe you feel like you just continue to fail (at budgeting) over and over again, so it's easier to take the kids to the play area at Chick-fil-A and sit down for a moment to Just. Breathe.

You already have anxiety coming on, knowing that the year just started and by next month you'll have no plan to reach your goals AGAIN.

You don't have any more time OR money to waste on attempting to duct tape together piece of strategies you hear the "experts" talk about that probably only work for families who have two incomes and can be found for free on Pinterest anyway.


Unlike the other "experts" who only show you one small piece of what works to be successful at budgeting, I'm giving you my EXACT auto-populating spreadsheets so you can learn to work WITH your habits (the opposite of budgeting) to manage your money and be successful once and for all.

You deserve to have a successful financial life with less stress and an actual lifestyle that includes living (and going out to eat).

Never again question if you're going to bounce a bill.  

  • A busy mom who has littles at home and would rather get a root canal than calculate how much you spent on gas last month.  
  • Living on one income so things are already "tight" to begin with.  
  • Wanting to go on vacation without putting it on a credit card.  


  • My EXACT formula to use your current spending to forecast your spending for the rest of the year (done for you auto-magically) by tomorrow afternoon.  
  • Easily determine where you are messing up so you reach your saving goals this year.  
  • Never feel deprived or desperate for income AND you'll be able to have fun with your kids.  
  • How to incentivize your spending (and saving) so that you actually have more freedom to spend how you want.  
  • Editable electronic spreadsheets accessible from your phone or computer (any device) to ensure you know what's going on with your money at any moment. (But pen & paper versions are also included if you don't trust technology and wanna stay "old school"... I completely understand!)  
  • Printable worksheets to map out your money plan so you actually accomplish it this year.

This is the most comprehensive, yet simple, cash flow management system.

"O.M.G. This is Amazing!

I am not new to finances, but this has giving me great information and action steps! 

Don't second guess this, get it now!"

Crystal T. 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...

Here's What You'll Get When You Purchase Today: 

You'll receive INSTANT access to the Cash Flow Formula Program.

How will you get access to the program?  

Immediately after purchasing, you'll receive a private link to download and begin the program. You know what that means? You could be starting this system 5 minutes from now. 

Cash Flow Formula comes with a STEAL MY STUFF guarantee trifecta!

First, if you do not like my improper grammar (I write like I talk, so I say wanna, gotta and gonna...), I will be happy to refund your money.

Second, if you do not find this to be the most incredible product you have ever witnessed, used or even heard about, I will be happy to refund your money.

Third, if you don't at the very least see how you can finally have the hope to get outta living paycheck to paycheck and thrive for the rest of this year, I will be happy to refund your money.

Whatever the reason may be, if you are not getting SO STINKING EXCITED over the awesomeness I have packaged up in the Cash Flow Formula and you let me know within 90 days, I will be happy to refund your money... no questions asked!

When you click the "Yes! I want this!" button below, you'll be brought to a checkout page where you can enter in your payment information directly. 

From this day forward your money woes can be a thing of the past.


Is everything in a PDF format? Do I need to have Excel in order to use this program? How exactly does it work?

The ebook/guide with the explanation of my system and the instructions are in a PDF format.  

You will need a (free) gmail email address to be able to copy the digital file so you can add it to your own "Google Drive" (which is also free).  

The sheets that you can fill out electronically are also in the PDF guide so that if you don't want to fill them out electronically, you don't ever have to worry about that. (But I'll tell you it's SO nice for it all to calculate automatically for you!) 

In other words, you will not need to buy any other computer programs to access (and use) this system. And the file takes up such little space you won't get charged to store it from Google (so there are no recurring charges).

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. 

When you buy it early, you get it for a steal AND you'll get the newest version of the product later: Happy Dance Time! 

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 cost $47 one time... But it IS true. 

There are no recurring charges and you will only be charged $47 once.

Many other money management systems cost double or more, I decided to make this program affordable, yet also overdeliver on the promise of helping you better manage your money in a simpler way.

When do I get access to the files? 

You will be able to download the file immediately after you checkout and everything will also be emailed to you as a backup record. 

What if I decide this isn't for me?

I actually want you to try the Cash Flow Formula at my risk. 

Because I know it works but you don't... yet!

If you aren't 100% satisfied, and I mean even 1% unhappy, I want you to immediately return it. I mean it, I don't want your money.

I value our relationship and my reputation more than $47 bucks. So please, try the Cash Flow Formula for 90 days (even though you will get everything in the program instantly, I am giving you 90 days to be completely sure and utterly satisfied).

So go ahead, buy now - you have plenty of time to go through everything and decide if this is the right fit for you. You'll never know unless you take a chance and invest in yourself. 

Why is this so cheap? Is it junk? 

Most money management systems are priced well over $100... I'm not gonna lie. My ultra deceptive plan is for you to dig in, get an insanely quick result and come back to buy my other products to help you with other areas of your finances... {insert evil villain laugh}

You need more cash for your family to flourish and thrive. DON'T LET IT SLIP THROUGH YOUR FINGERS UNMANAGED FOR ONE MORE DAY.