Budgeting just got wayyyyyy easier.

The Cash Flow Formula is a step-by-step system for claiming control over your family finances (without ever having to make a budget).

Just enter a few personal numbers and the rest is done for you (auto-magically!).

For a limited time, you can get the Cash Flow Formula for just $23 (a $69 value!)

Get instant access to the Cash Flow Formula (used by over 9,500 families) that helps you forecast your cash flow and better manage your money in less time, for up to 73% Off!


*This is a digital and printable item, nothing will be mailed*

"I absolutely love the spreadsheet!

I have been trying to accomplish something like this but never able to get it just right. This, however, is much more than I expected! And the customer service is great! I had a quick question and she responded as well as sent me a video tutorial.

I will definitely recommend this!"

~ Trey Q. Cash Flow Formula Customer 


Aren't you sick and tired of...

Laying awake at night worrying about how you're going to pay for everything your kids need... just the necessary stuff like the next size shoes, clothes, and gymnastics class, much less all the extra fun stuff you WANT for them, like the newest video game when it comes out and an extra special birthday party with inflatable slides!

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

Are you sick of fighting with your spouse about where your hard-earned money is disappearing each month?

Then I can help you.

Because I was you.

Wouldn't it be nice to be able to...

  • Stop counting down the minutes until payday because you're worried something might come through (and bounce), or you need to go grocery shopping today (instead of having to wait until Friday).
  • Pay cash for those things that always "pop up" unexpectedly (without using a credit card or draining all your savings).
  • Go on vacation so you can make memories with your kids (before they grow up) without stressing about how to pay for the credit card bill when you get back.

Your family deserves to enjoy life without stressing out about money.

"I love it!"

"It is the best thing I ever did! I have needed something like this for years. The hardest part of this system is setting everything up with your information. Do as it says about making lists. I absolutely love this system!!!!"

~ Kimberly V.
Cash Flow Formula Customer 


A step-by-step system for claiming control over your family finances, without "budgeting".



For $23 You Can Start Simplifying Your Cash Flow Today!

You'll receive INSTANT access to the Cash Flow Formula PLUS bonuses worth $22:

  • The Cash Flow Formula Program ($47 Value)
  • Financial Automation ($15 Value)
  • 75 Ways To Save In 5 Minutes Or Less ($7 Value)

Total value: $69

(That's 67% Off!)


For $12 More You'll Get The Cash Flow Formula PLUS An Extra $60 Worth Of Bonuses!

You'll receive INSTANT access to the Cash Flow Formula PLUS bonuses worth $129 total:

  • The Cash Flow Formula Program ($47 Value)
  • Financial Automation ($15 Value)
  • 75 Ways To Save In 5 Minutes Or Less ($7 Value)
  • 12 Ways To Make Quick Cash This Week ($10 Value)
  • A Year Of Saving: 12 Months of Family-Centered Money Saving Challenges ($10 Value)
  • True Spending Freeze ($20 Value)
  • Savings Fund Trackers ($20 Value)

Total value: $129

(That's 73% Off!)

"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 

Managing Your Money Does NOT Have To Be Complicated

What if you could spend just 15-30 minutes per week checking in on your finances?

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

Would you finally take the leap from a sleep-deprived and overstressed mama to becoming a money managing powerhouse who gets to say yes every time your kids ask you for something when you're shopping at Target?

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 automagically) by tomorrow afternoon.

Not just forecasting the dismal future though... I'm talking about infusing HOPE into your 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. 

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 

Who I Am And Why You Should Listen To Me

Hi, I'm Kati! I was an accountant before I was a mom, but the 2009 downturned economy taught me how to use my "math brain" to be a better money manager. Now I obsess over helping other moms get a better handle with their money too. (Because kids grow up and they cost more the bigger they get.)

  • I'm not JUST a personal finance coach, I'm also an accountant. Yep, #iloveexcel. I am good at analyzing, tweaking and simplifying. I was a crazy coupon lady for several years and taught thousands of people how to save tons. My students and followers rave about how I'm able to take complex processes and break them down into the simplest form so that it can be easily duplicated.
  • I'm OBSESSED with simplicity and efficiency because I don't have 14 hours a day to try to figure out what category our spending should go into (what if we shop at Target and we buy pillows AND clothing?!!) but I also homeschool our kids and we often go to Disney World. #makingmemories
  • I've helped busy moms save thousands of dollars since 2010. For 6 years I shared my money-saving knowledge on two Fox TV segments every Sunday morning. My unique savings techniques have been featured in The Huffington Post, Yahoo Finance, The Washington Post, Clarke Howard, countless TV stations as well as several radio shows.
  • Teaching is my passion. We are a homeschool family of 6 and I love teaching. I've taught over 600 live in-person workshops, with approximately 100 people in attendance for each (my largest had over 1,200 in attendance! YIKES.). I can't help but share my excitement when YOU are successful with my same strategies. #successisaddicting  
  • I'm living proof. The strategies you'll learn in this program were the exact ones we used to pay off over $15,000 in debt in 3 years (living on one income).

This magically simple cash flow strategy uncomplicates your finances and automates the process so you don't spend your valuable time trying to set up a budget.

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 budgeting books and printables you've purchased in the past that didn't work (because the typical way of teaches "budgeting" does not work!).

What would your life look like if you could:

  • CONFIDENTLY know when you have enough money to spend $100 for your family to go to the movies (or mini-golf, or ... 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 automatically populate!).  
  • Stop wasting your precious time setting up a budget (what I call a "wish list") just to have it fail after the first month 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 math 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.

What are you waiting for, friend?! It's time to hit the easy button on managing your money!



"I have made spreadsheets for budgeting before and I have to say that this is an awesome spreadsheet."

~ Patricia S.
Cash Flow Formula Customer 


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 on vacation).

Never again question your bank balance.  

Let Me Show You What's Inside Each Bundle:


You'll receive INSTANT access to the Cash Flow Formula plus two bonuses so you can start simplifying your finances today.

  • The Cash Flow Formula Program - $47 Value
  • Financial Automation ($15 Value)
  • 75 Ways To Save In 5 Minutes Or Less ($7 Value)

Total value: $69

(That's 67% Off!)


BONUS #1: Financial Automation ($15 VALUE)

If you have not already automated your finances, you’re missing out (and wasting time... which IS money!). Today the technology is so simple to understand and despite some people thinking otherwise, it’s completely safe. In fact, it’s much safer to automate your finances than it is to write and mail checks these days.  

With a focus on how to be more financially conservative, you'll learn how to recognize internet scams as well as gaining a thorough understanding of how to automate your bill payments, retirement plans, debt management and your savings. As well as the specific tools you need to use to successfully automate your finances.  

BONUS #2: 75 Ways To Save Money In 5-Minutes Or Less ($7 Value)  

This guide will give you simple ways to "chunk" your time and think differently about how you spend money (or are going to spend money) so that you start to save immediately. As moms we are already used to multitasking and maximizing our time... why not allow some of that time to pay off too?

Learn 10 split-second decisions you can make to save money instantly, plus 10 little things you can do to in 20 seconds that'll help your family save money. Quickly save yourself some moolah instead of scrolling through your Facebook newsfeed with the 15 two-minute cash builders. And lastly, there's 40 game changing 5-minute decisions to save your family BIG money that you can do in less time than a commercial break.

"75 Ways to Save Money in 5 Minutes or Less is Fabulous! Kati shares practical and easy ways to save money. She isn't asking you to do anything that is time consuming or uncomfortable, just easy ways to save. Thank you for the wonderful tips!!"
~Marsha Patrick
75 Ways To Save In 5 Minutes Or Less Customer

(regular price $69) That's 67% OFF!



Everything in the Starter Option #1, PLUS four more bonuses worth an extra $60 to help you even more.

  • The Cash Flow Formula Program ($47 Value)
  • Financial Automation ($15 Value)
  • 75 Ways To Save In 5 Minutes Or Less ($7 Value)
  • 12 Ways To Make Quick Cash This Week ($10 Value)
  • A Year Of Saving: 12 Months of Family-Centered Money Saving Challenges ($10 Value)
  • True Spending Freeze ($20 Value)
  • Saving Fund Trackers ($20 Value)

Total value: $129

(That's 73% Off!)


BONUS #3: 12 Ways To Make Quick Cash This Week ($10 Value)

Discover reliable ways to make money quickly without getting a part-time job. It's perfect for the mommy who stays at home with kids so they can't get commit to working outside the home.  

• How to find quick ways to make $50 this week in order to make ends meet or pay for an unexpected expense.
• Small, easy-to-implement actions you can do to make some quick cash over the next 7 days.
• Tested and proven methods to make some real cash over the next few days to pay for an emergency.  

While I love MLM's, you won't find them listed in this book because they take longer than a week before you'll make good money. You also won't find online surveys, web searches or any grocery savings apps (even though I love them) so that you can make significant money (more than $50) in as quick as a week using these methods.  

"Quick Cash is a wonderful product. Lots of great ideas that can be easily implemented!"

~Mary Hewitt
12 Ways To Make Quick Cash Customer 

BONUS #4: A Year Of Saving - 12 Months of Family Centered Money Saving Challenges ($10 Value)  

Want to get the whole family on board with saving money? Then this book is for you. In a super simple format that gives you a year of ideas to follow along and have the whole family participate in the savings process.  

Plus, each challenge has an estimated savings amount for you. And if you stick with it for the WHOLE year, which my kids have all decided should be really simple to do, I estimated that you'll EASILY add over $700 to your savings account over the course of the year. How fun is that?!!  

Oh, real quick, I'm assuming you already know about the other common money-saving challenges that circulate this time of year, such as the "penny challenge" and "52-week challenge" so I didn't include them in this book.

BONUS #5: True Spending Freeze ($20 Value)  

Do you feel like your spending needs to get reigned in a little bit? (You're not alone!)

A spending freeze is just what you need. A financial reset.  

With 30 days of guided activities to help you stay focused so that when the month is over you'll have a new appreciation for all you have and WAY extra in your bank account.

BONUS #6: Savings Fund Trackers ($20 Value)  

Are you excited to accomplish your next savings big goal? These savings trackers are exactly what will motivate you to get there.

Whether you are saving up for a vacation or saving towards a neat new item like a car or maybe a special event that’s coming up these trackers will help you break down your goal into more manageable pieces.

All you have to do is take your end goal and divide it by the number of sections listed at the bottom of each page. Then color as you go! This is a great way to track your progress (and stay motivated too).

(regular price $129) That's 73% OFF!

"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 

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...

The Cash Flow Formula comes with a GOLDEN RULE 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 effective system for getting your money under control so you never pay an overdraft fee in the future, 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 SO STINKING EXCITED over the awesomeness I have included in the Cash Flow Formula and you let me know within 30 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.


How does this compare to YNAB or Dave Ramsey's program?

The Cash Flow Formula is actually the opposite of Dave Ramsey’s philosophy because we use your current spending to reverse-engineer your budget (instead of printing past bank statements and starting there). And then this program forecasts your future bank balance so that you’re never caught off guard by any bill again.

I took FPU several years ago and just couldn’t stick with it. Oh, don’t get me wrong... I love a good “zero-based budget” but I believe they should be used in the context of million-dollar companies, not for us normal people (I was an accountant before I was a mom so I have the experience to be able to say that).

YNAB uses the concept of budgeting on past income... the Cash Flow Formula uses your current income to reverse engineer your budget (so you don't actually create a budget, it is done for you and then you just analyze what it says for future spending). YNAB forces you to interact with it way more than my program... where you'll just set up your monthly bills list ONCE and then each week simply add exceptions or update what you "estimated" to the actual amount.

Now listen, if what you're using is working. Don't switch! I'm from the philosophy that "if it ain't broke, don't fix it!"  

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 and there is a link to a video walk-through. If you want to use the file digitally (so that it calculates everything for you) you will need a (free) Google account to access the file from your own Google Drive (which is also free).  

You do not need to have Excel to access the program, but if you already have Excel (or Numbers if you're on a MAC) and prefer to use it then we include a link to the Excel/Numbers file in the guide.

In other words, you can start using the system immediately either electronically or by printing it.

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. I hate when companies later come out with "version 2.0" and I don't get new access, so I provide LIFETIME UPDATES so that you'll always have access to the newest version for FREE.

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 $23 one time... But it IS true. There are no recurring charges and you will only be charged $23 once.

How do I access my purchase? 

You will be able to download the file immediately after you checkout and everything will also be emailed to you as a backup record. If you don't see it in your email inbox, it's probably in your spam folder. You can also email me at Kati@TrueMoneySaver.com if you can't find it and I'll give you a direct link.

Do you offer refunds? What if I decide this isn't for me?

If you aren't 100% satisfied, and I mean even 1% unhappy, I want you to return it. I mean it. I value our relationship and my reputation more than 23 bucks. So please, try the Cash Flow Formula for 30 days (even though you will get everything in the program instantly, I am giving you 30 days to be completely sure and utterly satisfied).

Why is this so cheap? Is it junk or a scam? 

This is NOT a scam. I know, most money management (or budgeting) systems are priced well over $100... or they have a monthly fee. While I could charge that much for this one too (and every day people pay the $47 full price), It's priced super low because 1.) The low price is only available for a limited time, and 2.) I want to help the most people possible get their money under control.  

Also though...I should probably mention that my ultra deceptive plan is for you to dig in, see how wonderful life becomes when your money is under control and then come back to buy one of my other products to help you with other areas of your finances 🙌🏼 {hehe}

You need more cash for your family to flourish and thrive.

Don't let it slip through your fingers unmanaged for one more day.

Let me help you.

Not ready to buy yet? Don't leave empty-handed!

Try out our FREE One-Month Budgeting Template Spreadsheet.

Yes, Send My FREE Budgeting Spreadsheet