·5 min read·Cash Flow Basics
Why Your Bank Balance Lies to You (And What to Trust Instead)
That number in your banking app isn't what you can actually spend. Here's how to see past the false confidence and know your real available money.
Blog
Thoughts on money, clarity, and building a healthier relationship with your finances.
·5 min read·Cash Flow Basics
The Sunday Money Check-In: A 5-Minute Weekly Ritual
Forget hour-long budget reviews. This simple weekly check-in takes 5 minutes and keeps your finances clear without the stress.
·6 min read·Cash Flow Basics
Freelancer Cash Flow: Managing Money When Income Is Unpredictable
Fixed budgets don't work when income varies wildly. Here's a cash flow approach designed for freelancers, contractors, and anyone with irregular pay.
·5 min read·Budgeting Alternatives
Cash Flow vs Budget: What's the Real Difference?
Budgets track where money went. Cash flow shows what you can spend. Here's why that distinction changes everything about managing money.
·4 min read·Cash Flow Basics
How to Calculate Your Daily Spending Limit (The Simple Way)
A step-by-step guide to finding your real daily spending number. No spreadsheets required—just simple math that actually works.
·9 min read·Money & Relationships
Money Conversations That Don't Suck
Talking about money with your partner doesn't have to end in arguments. Here's how to have the 'what can we spend?' conversation without the stress.
·8 min read·Money Mindset
The Guilt-Free Coffee
You've been told that lattes are why you're not rich. That's not true. Here's why small purchases aren't the problem—and what actually is.
·8 min read·Cash Flow Basics
Your Bills Know Things You Don't
Your recurring expenses tell a story about your real spending—if you know how to read them. Here's what your subscription history reveals about where your money actually goes.
·7 min read·Money Mindset
What 'Enough' Actually Feels Like
We're taught to chase more money, but nobody talks about what enough actually feels like. Spoiler: it's not a number in your bank account.
·8 min read·Money Mindset
The Payday-to-Payday Feeling (You're Not Alone)
That anxiety between paychecks isn't a character flaw. It's incredibly common—and it doesn't mean what you think it means about your financial health.
·8 min read·Budgeting Alternatives
Why I Stopped Budgeting (And What I Do Instead)
After years of failed budgets and guilt spirals, I finally gave up. Here's what I learned about why budgeting doesn't work for most people—and the surprisingly simple alternative that actually does.
·10 min read·Cash Flow Basics
The Real Guide to Cash Flow (That Doesn't Make You Feel Bad)
Forget budgeting. Here's what cash flow actually means, why it matters more than tracking every purchase, and how to finally answer the only question that matters: what can I spend today?
·5 min read·Cash Flow Basics
Why I Built CshFlow
I built CshFlow because I was tired of feeling guilty about buying a coffee. Here's the story of why budgeting never worked for me—and the research that explains why it fails for most people.