Private 1:1 financial strategy and coaching to bring clarity to cash flow, tax, debt, and investing — while untangling the money patterns that keep you plateaued and second-guessing.
Turn your income into a clear financial plan you actually stick to
Overflow, not overwhelm 💸 Overflow, not overwhelm 💸 Overflow, not overwhelm 💸 Overflow, not overwhelm 💸 Overflow, not overwhelm 💸 Overflow, not overwhelm 💸 Overflow, not overwhelm 💸 Overflow, not overwhelm 💸 Overflow, not overwhelm 💸
1:1 Money Coaching
only 2 spots
available
We don’t just decide what you should do with your money. We work through the hesitation, fear, and default behaviours that get in the way, so your financial strategy becomes something you trust and act on, not something you avoid or override.
You're making money, but no one ever taught you how to handle it, so now you’re holding more responsibility than you have context for, and you can feel that mismatch even if you can’t quite put words to it.
For some people, the money sits there untouched because touching it feels risky. For others, it comes in and disappears. Different behaviours, but the same problem. You don’t trust yourself with the decisions.
Tax, VAT, paying yourself, savings, investing, emergencies — it all lives in one mental pile. Nothing feels clear, and every choice feels heavier than it should.
Over time, this creates patterns — hesitation, avoidance, or rushing — that quietly shape how you use money. And while nothing feels dramatic in the moment, those patterns compound, influencing what’s possible for you long-term.
There's nothing wrong with you – you simply never learned how any of this works!
You’re not "bad with money." You were never taught how this sh*t works.
This is what happens when money stops being emotionally charged and starts being usable. Money becomes boring, in the best possible way.
What if money made things possible — instead of complicated
Taking time off for holidays, maternity leave, stepping back — without money being the thing that makes it feel irresponsible.
Debt feeling manageable instead of urgent or shamey, because there’s a clear plan instead of avoidance.
Paying yourself consistently, without swinging between overdoing it and pulling back out of fear.
Saving, investing, and retirement becoming things you’re actively building towards — not abstract “one day” ideas you keep putting off.
Tax and VAT being planned for, expected, and handled — instead of looming threats that hijack your attention.
THIS IS FOR YOU IF
- You’re earning money in your business, but it doesn’t feel as supportive or intentional as it should.
- You swing between months where money piles up and months where it disappears, and you’re tired of living between those extremes.
- You hesitate around money decisions, not because you’re careless, but because you don’t want to get them wrong.
- “Being sensible” has often meant underpaying yourself, delaying decisions, or defaulting to whatever feels safest in the moment.
- You’re not clear on what’s yours to use, what needs to stay put, or how today’s choices affect your future.
- You think about money more than you want to — even when, on paper, things look fine.
THIS IS NOT FOR YOU IF
- You’re brand new to business and still focused on making consistent income (come join Six-Figure Safety instead.)
- You want quick fixes, hacks, or reassurance without being willing to look honestly at how you’re handling money.
- You want someone to tell you exactly what to do, rather than understanding your options and making informed decisions.
- You’re not ready to engage with your numbers yet.
- What you actually need right now is basic financial education or a lighter-touch container — not personalised, strategic support.
Six private 1:1 sessions over 12 weeks
Focused conversations to slow down and untangle the decisions that feel heavy or stuck, so you’re no longer reacting, rushing, or avoiding when money is involved.
Direct access to me between sessions
For when decisions come up in real time, so fear or doubt doesn’t quietly override the plan once you’re on your own.
Clear decisions around pay, tax, VAT, and cash flow
So you know what’s safe to use, what needs to stay put, and what actually matters right now, removing the uncertainty that keeps people playing small or over-conservative.
Strategic support with debt, saving, and investing
Pay off debt without sacrificing your lifestyle, and learn to grow your wealth for the long-term efficiently.
Coaching that addresses money patterns under pressure
We work through the hesitation, urgency, and default behaviours that show up when the stakes feel high, so your decisions don’t change the moment things feel uncomfortable.
Education that builds self-trust, not dependence
You understand why each decision makes sense for you, allowing progress to compound long after our work together ends.
Coaching that makes financial strategy stick
Overflow is a three-month 1:1 partnership for business owners no longer want to make important money decisions in a fog.
We focus on the decisions you’ve been circling, overthinking, or avoiding — so you can move forward without panic, second-guessing, or defaulting to whatever feels safest in the moment.
There’s no curriculum to “get through” and no generic framework to follow. This is bespoke strategy and coaching, designed to support how you actually make money decisions when the stakes are real.
Private 1:1 financial strategy and coaching designed to create calm decisions now — and long-term security over time.
Emma joined when she was just four months into maternity leave. She already had existing debt and felt sure she’d have to cut her leave short or add more debt just to get by. Every bill felt like a countdown clock forcing her back to work.
Instead, she stayed on maternity leave for the entire year, fully funded by her savings. And in the 12+ months since starting coaching, she hasn’t added a single penny of new debt and continues to pay it down. Overflow gave her the clarity to cover her essentials, pay herself consistently, and protect her leave with confidence.
Emma didn’t just “make it through.” She felt safe enough to be present for her baby without financial panic in the background. For someone who once assumed debt was inevitable, that shift was everything.
This is exactly what Overflow creates: the structure that makes time off, sabbaticals, or extended leave possible without financial stress.
12 Months of Maternity Leave Without Adding a Penny of Debt
Hey! I'm your new Money Coach, Emilie Nutley.
I work with online business owners who are making a decent income, and quietly questioning whether they’re handling it as well as they should be.
That feeling isn’t incompetence. It’s the pressure that comes with being responsible for everything... your income, your future, your family, your time — without having a clear framework to lean on.
I’ve worked with hundreds of business owners at this stage, and the pattern is always the same: they’re capable, thoughtful, and doing well but the moment money decisions start to matter more, the margin for error feels smaller and the noise gets louder.
My role isn’t to impress you with numbers or tell you what to do.
It’s to sit with you in the decisions that feel heavy, help you see your options clearly, and make sure fear, urgency, or old money habits aren’t quietly running the show.
That’s how money decisions become calmer, more consistent — and how progress starts to compound instead of stall.
I've helped clients...
- Increase their take-home pay from £500 to £3,200/month without needing to increase revenue
- Open pensions and ISAs with a clear monthly contribution plan
- Release £6,200 of over-saved tax money back into usable cashflow
- Identify why £8–10k months still felt tight, and fix it within two pay cycles
- Confidently raise prices by up to 77%
- Go from £0 savings to 3 months of expenses while income fluctuated
- Stop arguing with their partner about money
- Move from paying themselves “whenever there was money left” to a £2,500 fixed monthly payday
- Reduce monthly tax saving from £1,400 to £850 after recalculating real liability
- Reduce fixed business costs from £2,900 to £1,750/month
- Pay off £18,400 of business debt in 7 months while maintaining full owner pay
- Build a £10k business buffer from scratch in under 6 months
- Start investing £300–£1,000/month without cashflow stress
- Trust themselves with money, consistently
only 2 spots
available
You’re deciding when.
And while you wait, things keep happening anyway:
- paying yourself less than you could.
- delaying the time off, the holiday, or the bigger plans because money still feels uncertain.
- making conservative business decisions because you don’t yet trust the foundations underneath them.
- putting off investing, and losing years of compound growth in the process.
None of this feels dramatic day to day. But over months and years, it quietly shapes your life.
The most expensive option is doing nothing
The Investment is £3,000
Payment plans available.
If you already know you want to work together, apply directly.
If you’re unsure whether this is the right next step, book a sales call and we’ll talk it through.
Either way, this is an intentional decision, not a rushed one.
Set yourself up properly for January
- How much you pay yourself.
- What you delay.
- What still feels “too risky”.
If this stays vague, those choices don’t pause. They just keep defaulting to caution.
I have just two spaces to start Overflow in January so you can enter the year making decisions on purpose — not out of survival.
Q1 booking bonus
(available until 31 January)
That means:
- I’ll take your bank statements and messy books
- Organise a full year of data
- Identify patterns, pressure points, and opportunities
- And report it back to you clearly and without judgement
Q1 booking bonus
(available until 31 January)
That means:
- I’ll take your bank statements and messy books
- Organise a full year of data
- Identify patterns, pressure points, and opportunities
- And report it back to you clearly and without judgement
Harriet’s business was fully booked, but her niche meant raising prices wasn’t an option, the market rates were fixed. As a single woman living alone in the city, every pound felt tight. Despite looking “successful” on the outside, her cash flow was squeezed. She was stuck adding to her debt, never able to get ahead, and convinced that the only solution was to somehow earn more (something she couldn’t do without burning out).
Through coaching, Harriet discovered it wasn’t about working harder or raising her rates, it was about finding a money flow that actually worked for her. We created a structure that covered her essentials, cleared her debt, and built personal savings, all without cutting the lifestyle spending that mattered to her. For the first time, she saw her money funding her life instead of draining it.
The biggest transformation was realising she didn’t have to sacrifice joy to feel secure. Harriet went from debt and dread to freedom and possibility. Now, instead of stressing about bills, she’s packing her bags, ready to live and work as a digital nomad across Asia and Australia, supported by the safety net she’s built.
From Booked-Out but Broke to Stopping the Debt Spiral and Funding a Digital Nomad Life
Lemme answer your Qs real quick...
If you’re still reading, you already know what the question is.
The only thing left is whether you’re ready to deal with it.
Hear from MORE ex-financially-feral girlies who came before you:
From Clueless With Her Accountant to Confident CEO of a Fast-Growing Agency
Emily was running a fast-growing creative agency, bringing in more work than ever before. On the surface, it looked like a success story, but behind the scenes, she felt completely out of her depth. Her accountant wasn’t familiar with the realities of online and creative businesses, and she felt too intimidated to ask questions. Instead of feeling supported, she left every meeting more confused. She described herself as “clueless” when it came to her business finances, which left her second-guessing every decision.
Through coaching, Emily built a clear understanding of her business money flow: what was coming in, what was going out, and how to pay herself consistently without fear. With that clarity, she stopped outsourcing all her trust to her accountant. Instead, she could go into meetings with confidence, lead the conversations, and make decisions from a place of understanding rather than avoidance.
The biggest transformation for Emily wasn’t just systems, it was stepping into her role as CEO. She no longer felt like her accountant or her numbers were “the boss of her.” Overflow gave her the confidence to ask questions, make decisions, and run her growing agency like the business it is.
From Scattered Finances Across Three Countries to Confident Wealth Builder
Lisa came to coaching juggling a lot: an employed income, a business she was trying to grow, and savings scattered across three countries — the UK, Italy, and the UAE. She had money coming in, but it felt fragmented and overwhelming. On top of that, she was still carrying her UK student loan, had no clear investment strategy, and admitted she didn’t really know how to turn “just about managing” into long-term wealth.
Together, we streamlined her financial flow so she could see her full picture clearly and know exactly where her money needed to go. Lisa paid off her UK student loan, started investing, and began intentionally building wealth instead of letting her money sit across random accounts. She also built her first real emergency fund, and when a stressful family situation meant flying back to Italy unexpectedly, she was able to use those savings to cover the trip. Instead of panic, she felt relief: for the first time, she had the financial freedom to make the choice without debt or guilt.
Lisa went from scattered and reactive to calm and intentional. She no longer felt like her finances were in pieces or that she was “behind.” Instead, she began to see herself as someone who could build wealth on her own terms, across borders, businesses, and life stages.
From Years of Avoiding Debt to Scaling Her Second Business and Building Wealth
Alex had been stuck in a debt cycle for years. Both personally and in her business, credit cards became the crutch: she’d avoid facing the balances and instead throw her energy into earning more. Even as her businesses grew, the debt never shifted, it just felt like part of the background. With multiple cards maxed and no savings, she admitted she felt like she was treading water, not moving forward.
During our time together, Alex cleared two out of her three credit cards, started building savings, and even invested in renovating her first home. She made the bold decision to sell one business so she could focus on scaling her second, and within months, she was bringing in consistent five-figure months. This time, the growth looked different: instead of income disappearing into the debt cycle, she had a money flow that allowed her to pay down the last of her debt while actively working toward long-term wealth goals.
Alex went from avoidance to ownership. She no longer hides from her debt or waits for “more revenue” to fix it — she manages it with clarity, confidence, and a plan that supports her life as well as her business. She describes finally being able to see herself not just as a high earner, but as a wealth builder.
From Borrowing From Her Dad to Financial Independence With a Fluctuating Income
Liv was in a commission-based role, which meant her income was always inconsistent. The unpredictability left her feeling unsafe with money, she didn’t trust herself to hold on to savings. Instead, she would hand her savings over to her dad and then have to ask for them back within the same month just to get by. In her own words, she didn’t feel like a real adult or financially independent, even though she was working hard.
Together, we built a money flow that worked with her fluctuating income instead of against it. Liv created savings buffers she could trust, learned to smooth out the peaks and dips of commission pay, and ended her reliance on borrowing money from her dad. For the first time, she had money she could hold onto, money that gave her choice and security.
The biggest change for Liv wasn’t just in her bank account, it was in her identity. She went from feeling dependent and “bad with money” to financially independent, capable, and proud. She no longer needed to outsource her safety to someone else.
From Feast-or-Famine Touring Income to Building Savings, Investments, and Her Dream Home
As a touring musician, Jess’s income came in waves, big lump sums during tours, then nothing for months. The challenge wasn’t just earning, it was making the money last between tours without slipping into scarcity or panic. She also recognised that the money patterns she’d grown up around, shaped by her parents, were still influencing the way she handled her own finances. She wanted to re-write her relationship with money so she could create stability for herself and her daughter.
Together, we built a money flow that smoothed out the highs and lows of her income. Jess learned how to allocate her lump sum payments in a way that covered essentials, gave her stability during the off-months, and left space to build for the future. She created savings buffers, started investing for her daughter’s future, began putting money aside toward her dream home, and even laid the foundations for her pension and retirement.
For Jess, the biggest change wasn’t just about the numbers, it was about breaking generational money patterns. She stopped repeating the cycles she’d learned from childhood and instead stepped into the role of creating long-term security and wealth for her family. She no longer sees money as a rollercoaster, but as a resource she can trust and direct with confidence.
only 2 spots
available
This is where you stop putting off your financial goals
You’ve felt the friction. The hesitation. The quiet stress that comes from not fully trusting how you’re handling money, even when things look fine from the outside.
You’ve probably told yourself you’ll deal with it later. When things slow down. When you have more time. When it feels less heavy.
But money doesn’t wait for the perfect moment. And neither does the life this business is meant to support.
If you keep going as you are, nothing dramatic will break. You’ll just keep making the same conservative decisions. Delaying the same plans. Carrying the same low-level uncertainty into another year.
Overflow exists for the moment you decide that’s no longer acceptable. Not because you’re behind. But because you’re ready to operate with intention instead of avoidance.
If you’re done guessing, done carrying this quietly, and ready to actually deal with the money you’re already earning, this is your container.
