Cash Flow Planning For Individuals, Families, & Business Owners
Debt Free Planning
A realistic plan to free yourself from debt once and for all and stop adding to it immediately.
Planned Spending
Budgets don’t work! Implement a sustainable cash flow plan that will change your life.
Increased Savings
With debt and spending under control, jumpstart your savings for retirement and other financial goals.
Kathryn Mandelcorn
FMA, Certified Money Coach, PFP®, QAFP™ | Cash Flow Strategies
After 15 years in banking, investments and financial planning, Kathryn began her work as a Money Coach in 2012 when she sought to provide cash flow planning advice not tied to the management of assets or the sale of products. She wanted to help people let go of their scarcity mindset, to articulate what they really wanted out of life, to get out of debt and to use money as a tool to support their values.
In late 2017, Kathryn joined Spring to lead Cash Flow Strategies and further enhance the lives of our clients. She helps transform habits with money to ones that are more liberating, truthful and mindful. She develops strategies and implements systems to manage money so our clients can save with intention and spend without guilt. She equips our clients to align their money with their values to live a life they love with the money they have now.
Kathryn is based in Port Moody, BC idyllically situated between her two favourite locales – the forest and the ocean. She is 5 minutes from a mountain bike ride or a paddleboard. She gets up awfully early to take her young son to hockey practice but takes comfort that it’s not year round and she still has lots of opportunity to travel.
How it works
What clients are saying
Read more about cash flow
Cross-Border Finances: A Case Study
Cash Flow for Cross-Border Finances Leela is finally doing her dream job, consulting to international companies on how to create inclusive environments within their organizations. She also helps her clients deal with internal biases and speaks to large audiences...
Variable Income Case Study: Terri
We’re back with another case study, this time with “Terri.” Terri is 42 years old, single, and works as a pharmaceutical rep earning commission income that varies wildly from month to month. With variable income, it’s hard to save money without knowing when the next...
April 2020 Update
Has it only been a month since our last update? It feels like several decades have passed. The sheer volume of information we’ve received and amount of change that has occurred since the beginning of March 2020 has easily outstripped what we would have experienced in...
CERB and COVID-19 Cash Flow Clinic
Note: For more information on the coronavirus and how it relates to your finances, see our dedicated COVID-19 resource page. Cash Flow Clinic Transcript Kathryn Mandelcorn (KM) 0:16 Good afternoon everybody, everybody’s admitted in, we are recording this call. So...
March 2020 Update
We hope this newsletter finds you as well as you can possibly be. It’s only been a month since our last regular newsletter, and so much has changed. Things are changing on a daily basis now, and there’s a great deal of uncertainty in the air. At Spring Plans, we have...
February 2020 Update
If you’re a regular reader, you’ll know that we spent a few days at the end of January and beginning of February reviewing our 2019 and thinking about our 2020. We were lucky to be able to bring together seven of our team members from across the country for strategy,...
Renovation, Kids, and Cash Flow: Case Study
Every year, we give some thought to what we want for you in the year ahead. We proceed to spend the rest of the year riffing on that subject, hoping that multiple perspectives on a singular concept will provide the means for you to integrate it into your lives. This...
January 2020 Update
Happy 2020! Happy Year of the Rat! Happy EVERYTHING! If you’ve been reading along with us for a few years, you’ll already know that Julia is of the opinion that the time between January 1st and the Lunar New Year (January 25 this year) is our “practice run”. It can...
December 2019 Update
Your Spring Plans newsletter arrives a little earlier than usual this month because we are very hopeful that you have the opportunity to walk away from your email and enjoy some relaxation in the last few weeks of the year. Of course, we know you’ll want a few things...
Your Design Thinking Action Plan
All year long, your Spring Plans team has been using the concept of Design Thinking to contemplate many different aspects of your personal finances. Why Design Thinking? The answer has remained the same all year long: because we want you to have permission to design...