Cash Flow Without the Spreadsheet

Four bank accounts, three standing transfers and two hours a year will handle your cash flow, with no spreadsheet and no app to keep up with.

Most money systems ask you to log every purchase and compare the totals to a plan. The logging is the part that stops, usually within a few months, and the account structure underneath it is exactly what it was before. A system that performs without your attention has to be built into where the money already sits.

This course builds it. You split income across accounts so bills and spending can never draw on the same balance, size the transfer that funds the bills, and schedule the amount you pay yourself on the same day. You work out what a year of irregular costs actually totals, from insurance premiums to December, and fund it monthly through a sinking fund. You read your cash flow four times a year through the 50/30/20 shape, in fifteen minutes, with no daily tracking. Then you handle the two changes that break most plans: income falling, where the order of cuts decides the outcome, and a raise arriving, where the share you bank in the first week decides what the raise was worth.

You walk away with four accounts and three standing transfers running in your own bank, a sinking-fund number taken from your own twelve months of statements, a quarterly check that fits in fifteen minutes, and an hour-long annual agenda.

The course is written for the United States: US checking and savings accounts, dollar figures, and US federal sources for every statistic.

Who it's for

Founders: want personal and business cash to stop blurring, with a structure that holds when income is lumpy.

Spreadsheet quitters: have started and abandoned a dozen budgets and want a system that runs without daily upkeep.

Irregular earners: freelancers and commission earners who need bills and savings covered even in a thin month.