Cash Flow and Budgeting
An effective, realistic personal budget isn’t a list of things you can’t afford, or a spreadsheet that forces you to bake your bread from scratch, use coupons at the grocery store, or never buy coffee at work again.
Budgeting is not about denying yourself everything that you enjoy, or “being frugal” just for the fun of it. It’s about knowing how much money comes in, and intentionally spending that money on those things that are most important to you.
How you spend your money every day is your single most important financial characteristic, and the one with the most power to effect change in your life.
Budgeting isn’t rocket science, but it does take perseverance and clear thinking to build, tinker with, and adjust according to your unique spending behaviour and family needs.
Our work together is designed to help you understand how you spend your money, how you want to spend your money, and to create an efficient system that you can use to spend mindfully in the future.
Cash Flow Audit
- A detailed breakdown of your income and spending for the past three months, summarized by category, visually trend-mapped by month, and projected forward in a draft budget.
- If you feel that the last three months won’t provide a good representation of your spending patterns, add additional months for $150 each.
Ready to discuss your situation and how we can help?
At Spring, we have the training and experience to help a wide range of client types. We'd love to connect you with the right person from your very first meeting, and ask that you fill out a brief form to help us prepare for your call.
Please note that you are welcome to schedule a call without answering these questions, but that we've found that meetings tend to be more productive if we know a little about you before we start.