Cashflow Confident
The group program where you implement a sustainable cashflow system within 90 days so you can pay yourself consistently – even with an inconsistent income.
Hey, you 🫵🏻 — the entrepreneur juggling all the hats in your business while secretly side-eyeing your bank account…
You’re doing the work, signing clients, and chasing big dreams, but your finances feel messy, inconsistent, and let’s be honest – stressful.
Maybe you’re…
👀 Dipping into business funds
for personal expenses because your income feels all over the place, leaving you unsure if you’re even profitable.
👀 Avoiding payday systems
because it feels too complicated or like something that “doesn’t work” when your income fluctuates.
👀 Stuck in feast-or-famine mode,
constantly wondering if you’ll have enough during the slow months.
👀 Dreaming of feeling calm,
organised, and in control of your money but unsure where to even start.
Now imagine this…
It’s the 30th of the month, and instead of scrambling or stressing about cashflow, you’re transferring your reliable, consistent salary that hits your account every month.
Your financial tracker shows you exactly how much you can save, spend, or reinvest — without hesitation. You’ve built a 3-month buffer, so slow months no longer send you into panic mode.
Best of all? You’re not hustling harder or desperately trying to earn more. You’re finally making the most of the money you’re already bringing in — and it feels effortless.
But right now, that feels like a distant dream, doesn’t it?
Instead, you’re stuck in a loop of questions that feel impossible to answer:
🙋🏻♀️ “How do I organise my finances when my income feels so unpredictable? how can I plan for paydays when I don’t know what’s coming in?”
or…
🙋🏻♀️ “How do I pay myself consistently when every month there’s a new business expense that always seems to take priority?”
or…
🙋🏻♀️ “Am I really earning enough to pay myself anything meaningful? ”
or…
🙋🏻♀️ “How do I figure out what to pay myself when I’m holding money back in the business just in case?”
or…
🙋🏻♀️ “What’s going to make this time different from all the other systems I’ve tried (and abandoned)?”
And then there’s that nagging, unspoken doubt:
🙋🏻♀️ “Maybe I’m just not good with money. Other people seem to figure this out — why can’t I?”
or…
🙋🏻♀️ “What if this is just how it has to be? Maybe inconsistent income means inconsistent everything.”
Managing inconsistent income doesn’t have to feel overwhelming or complicated — and it certainly doesn’t mean hustling harder or cutting back on everything you love.
With Cashflow Confident, you’ll learn how to create a financial strategy that works for you, no matter how unpredictable your income feels right now.
Here’s what that looks like:
Turn Fluctuating Income Into Consistent Paydays
Imagine transferring your salary every single month, no matter how variable your income is. Using tools like the Overflow Formula and my Payday Workflow, you’ll finally have a reliable system that ensures you get paid consistently — without the stress or scrambling.
Build a Cash Buffer That Protects You From Slow Months and Late Invoices
No more holding your breath waiting for client payments or panicking when business slows down. I’ll show you how to create a financial buffer that absorbs those fluctuations, giving you stability and peace of mind — even during quiet months.
Maximise the Money You’re Already Earning
It’s not necessarily about earning more — it’s about doing more with what you already have. Together, we’ll shift the focus from “not enough” to intentionality, ensuring every £1 works harder for you. From aligning your pricing to planning your reinvestments, you’ll feel in control of your money like never before.
Create Simple Systems That Fit Into Your Life
If numbers and spreadsheets make your head spin, don’t worry. I’ve designed this program to be simple, intuitive, and easy to maintain. With plug-and-play tools, structured workflows, and a step-by-step roadmap, you’ll be able to handle your finances with confidence — even if “organised” has never been your strong suit.
Feel Empowered to Manage Your Money With Ease
This isn’t just about systems — it’s about the confidence that comes with knowing exactly where your money is going, how it’s working for you, and how to use it to build the life and business you want. By the end of this program, you’ll stop asking, “Can I afford this?” and start saying, “I’ve got this.”
Meet your financial bestie 👋🏻
Hi, I’m Emilie — an Aries, toddler-mum, and lover of colourful Lucy & Yak dungarees.
But more importantly, I’m a money coach + financial strategist who’s been where you are: working hard, earning well, but still wondering why there’s nothing left at the end of the month.
When I started freelancing in 2016, my income skyrocketed — but so did my stress. I had no system for managing my money. I wasn’t frivolous (or at least I didn’t think so…), but I was constantly wondering: Where did it all go?
It wasn’t until I burned out and took a pay-cut going back to a 9-to-5 that I finally experienced a financial transformation. I learned how to take the income I already had and use it intentionally — paying off debt, building savings, and creating a system that felt calm, not chaotic.
Now, I help women like you — online service providers, coaches, and experts — to ditch the financial dread and build wealth with confidence.
I know what it’s like to feel like your income isn’t enough — when the real problem is a lack of clarity, planning, and systems.
That’s why I created Cashflow Confident.
This program is for women who are ready to:
- Pay themselves consistently, even if their income fluctuates.
- Maximise what they already earn instead of constantly chasing “more.”
- Build a plan that supports their big goals while still spending on what they love.
With my proven G.R.O.W.T.H. Framework, I’ll help you go from overwhelmed and scattered to calm, confident, and fully in control of your finances.
This isn’t about “doing more,” it’s about working smarter with what you already have.
CLIENT CASE STUDIES
Elena – Web Developer
Before Coaching:
When Elena, a developer, joined the beta 1:1 Cashflow Confident program, she was feeling overwhelmed by her finances. Personal expenses felt chaotic, her business finances were unstructured, and invoicing was a task she avoided. The lack of clarity around her cashflow left her questioning whether she was doing enough — or doing it right.
She described keeping “open tabs in her brain,” always worried she’d forgotten something, which made managing her money feel heavy and stressful.
During Coaching:
Together, we worked on creating systems that not only simplified her finances but gave her clarity and peace of mind. Using my 3-Account Method (Hub, Necessary Spending, and Joyful Spending), Elena established clear boundaries for her money, allowing her to prioritise her spending without second-guessing.
We also implemented practical habits, such as:
- Setting up a monthly financial routine that takes less than 15 minutes.
- Establishing a payday process to ensure consistent income and reduce financial stress.
- Creating personalised “pots” (budget categories) for everything from kids’ birthday gifts to future holidays, ensuring every goal was accounted for without sacrificing joy.
One of Elena’s biggest shifts was moving from feeling reactive about her finances to proactive. For the first time, she was able to confidently tell her partner, “If we book the holiday for later, I’ll have the money ready for it.” This approach gave her control over her spending without guilt or stress.
After Coaching:
Elena now feels calm, organised, and completely in charge of her finances. Key wins include:
- A transformed relationship with money: Invoicing no longer feels overwhelming — she now sees it as a straightforward, professional process.
- Clear financial priorities: With “pots” in place, Elena knows exactly where her money is going each month, whether it’s toward necessary expenses, joyful spending, or future goals.
- Confidence to plan ahead: She can now prioritise big goals, like family holidays, without worrying about derailing her other financial plans.
- Reduced stress: By implementing a monthly financial routine, she no longer keeps financial worries in her head — they’re all handled with a clear system.
In Elena’s Words:
“Before, I felt like I was always missing something. Now, I’ve created breathing room in my finances and a system that works for me. I know I can prioritise big goals, like holidays, without feeling guilty or stressed. Managing my money feels doable — and even exciting!”
Meg – Virtual Assistant
Before Working Together
When Meg, a Virtual Assistant, first came to me, she described herself as feeling like “a headless chicken” with her finances. Her spending was untracked, her goals undefined, and she didn’t have a plan for saving — even though she knew there were important things she should be saving for. Like so many entrepreneurs, Meg felt like managing her money was something she just wasn’t “the type of person” to be good at.
She also didn’t think she earned enough to consider big financial steps like investing or building a pension.
During Our Work Together
In just five weeks, we completely reshaped Meg’s relationship with her money.
First, we tackled her monthly finances, giving her clarity on exactly how much she needed to live and how much she could save. From there, we set crystal-clear savings goals and created a step-by-step plan to reach them.
Then came the big game-changer: we built a plan for retirement and investing into a pension. Meg realised that far from being “too small” to invest, she was exactly the type of person who could benefit most from starting now.
The mindset shift was huge. Investing and saving weren’t just abstract concepts anymore — they were active steps Meg could take to secure her future while still enjoying her life today.
Where Meg Is Now
Meg now feels calm, organised, and in charge of her finances. She has a clear roadmap that shows her:
- Exactly how much she needs each month to live the life she wants.
- How much she can save and how to allocate that savings toward her goals.
- A plan for her retirement that she never thought she’d be able to have.
For Meg, the most life-changing realisation was understanding the power of investing—especially when paired with the freedom and clarity of running a successful business.
In Meg’s Words
“Before I started money coaching, I was tap-happy with my spending and had no understanding of where my money was going. I knew I needed to save but didn’t have clear goals or a plan. After working with Emilie, I feel organised, in control, and even excited about managing my money. I never thought I’d be the type of person who invests, but now I realise I am exactly the person to be doing this. Emilie has completely turned my relationship with money around, and it’s been life-changing.”
Leanne – Business Coach
For one Cashflow Confident client, the program wasn’t just about numbers — it was about stepping into her power as a business owner.
Before joining, Leanne, a business coach, carried shame around her finances and felt like she was constantly “winging it.” But with the guidance of Cashflow Confident, she:
- Removed financial shame that had held her back.
- Reset her business finances with actionable strategies.
- Stepped into CEO-level confidence, feeling organised and in control of her money.
Now, she’s running her business like the CEO she always dreamed of being, with a clear financial plan and renewed excitement for the future.
In Her Words:
“I’m in Cashflow Confident, and it’s helped me remove a lot of shame around my biz finances. I’ve hit the reset button, made some mega changes, and I feel more like an in-control CEO 🤩🤩🤩.”
Emma – Brand Photographer
Meet Emma
Emma is a talented brand photographer with a thriving business, but before joining Cashflow Confident, she felt overwhelmed and disorganised when it came to her finances. Like many creative entrepreneurs, she had been avoiding the money side of her business — stuck in a cycle of stress and limiting beliefs about managing cash flow, setting goals, and planning for growth. Fast forward to the halfway point in the program, and Emma’s transformation speaks for itself.
Biggest Win: Feeling Organised and Confident
Emma’s biggest breakthrough has been learning how to better manage her cash flow using the tools and strategies provided in Cashflow Confident.
“Emilie has clearly spent A LOT of time and effort creating so many valuable resources. These are simple yet powerful for tracking income and expenses, setting aside money for taxes, and planning for future investments in my business. From using these tools, I feel far more organised and confident in handling the financial side of my business, which has relieved a lot of stress around money.”
For Emma, the shift wasn’t just about gaining new tools — it was about transforming her mindset. She went from dreading her finances to feeling genuinely excited to dive into them, something she never thought possible a few months ago.
Implemented Strategies & Real Results
Since starting Cashflow Confident, Emma has made significant changes that are already paying off:
Monthly Money Dates: Emma now sets aside regular time to review her finances, track income and expenses, and make proactive decisions. These money dates have helped her feel in control and more connected to her business finances.
Pricing Adjustments: After reviewing her rates and understanding the value she provides, Emma adjusted her pricing. This change has not only improved her confidence but also positively shifted how her clients perceive her services.
Planning for Growth: Emma tackled tasks she once avoided, like creating a sales forecast and planning launches for the upcoming year. These used to feel daunting, but thanks to the tools and mindset shifts she’s gained, Emma now sees them as empowering opportunities to plan for her business’s growth.
What She’s Loved Most About the Program
Emma’s favourite aspects of Cashflow Confident include:
Group Coaching Calls: “Emilie has an amazing way of making everything so digestible. Her coaching style is incredibly relatable, which makes the material feel much more accessible and not intimidating.” Even when Emma missed a session, she appreciated the ability to catch up and stay connected to the learning process.
Supportive Community: The Slack channel has been a highlight for Emma, providing a space to ask questions, share wins, and connect with other like-minded entrepreneurs.
Carefully Crafted Resources: “The abundance of resources Emilie has provided throughout the course is incredible. The tools are so carefully planned and thought out, and they’re really easy to use. It’s clear a lot of effort has gone into making sure everything is as helpful and practical as possible.”
The Takeaway
Emma’s journey is proof that with the right tools, guidance, and mindset, you can feel empowered and in control of your finances. She’s not only relieved the stress around money but also laid the foundation for long-term growth and success — all while feeling supported every step of the way.
Does Emma’s story resonate with you? If you’re ready to stop winging your finances and start managing your business with confidence, join Cashflow Confident today.
Emily – Business Consultant
Meet Emily
Emily is a driven business consultant who loves helping her clients succeed, but when it came to her own finances, she often found herself stuck in avoidance mode. Before joining Cashflow Confident, Emily’s default response to financial tasks was to bury her head in the sand. Now, she’s not only facing her finances head-on but finding joy in staying on top of them!
Biggest Win: Facing Financial Fears
For Emily, the structure and reminders built into Cashflow Confident have been game-changing.
“Even when I haven’t been able to make every call, just having the structure and reminders to keep addressing finances (when my automatic response is to bury my head in the sand!) has been SO powerful. I’m actually really proud of myself for using the templates and facing stuff that I’ve found scary and worrying — and it really isn’t anywhere near as scary as I thought! It’s actually fun feeling on top of the numbers!”
Through the program, Emily shifted from financial avoidance to feeling empowered and even excited about managing her money.
Implemented Strategies & Real Results
With Cashflow Confident, Emily has taken concrete steps to improve her financial habits and systems:
Personal Finance Mapping: Emily mapped out her personal finances for the first time since buying her house. This exercise gave her a clear picture of her monthly expenses and helped her feel more in control.
Consistent Tracking: For the first time in her business, Emily has been updating her sales and revenue tracker weekly. This regular habit has made her feel more aligned and aware of her financial health.
What She’s Loved Most About the Program
Emily’s favourite aspects of Cashflow Confident include:
Easy-to-Use Resources: “The templates and resources are so easy to use and don’t look like scary boring spreadsheets, which makes it so much easier!”
Practical Tools for Real Life: The program’s tools are designed to be accessible and practical, helping Emily feel less intimidated by financial management.
The Takeaway
Emily’s journey shows how powerful it can be to address your finances, even if it feels daunting at first. With the right support and systems, she’s overcome her financial fears, built strong habits, and found joy in managing her money.
If you’re ready to shift from financial avoidance to confidence and control, join Cashflow Confident today.
Your Money, Your Rules
This isn’t about number-crunching for hours or being glued to a spreadsheet.
It’s about creating a system that works with your income — and your goals.
With Cashflow Confident, you’ll have:
Consistent paydays that feel like clockwork, no matter how chaotic your income looks.
Finally know where the hell your money goes — and direct it to your dreams instead of your doubts.
Never panic at tax season again. Be that smug friend who’s already sorted.
Enjoy guilt-free splurges because you’ve got a plan that’s as fun as it is foolproof
Feel wildly confident in your finances—like Beyoncé-level confident.
Stress less about money and start spending with intentional, big-main-character-energy.
Cashflow Confident
A 6-month program designed to transform your finances from chaos to clarity. Through tools, coaching, and accountability, you’ll gain the confidence and systems to glide into financial freedom. Take my money 💸What’s Inside Cashflow Confident?
Pre-Recorded Trainings
Bite-sized, actionable lessons designed to get you results fast. From setting up your Payday Workflow in under an hour to mastering your first Monthly Money Date, you’ll gain clarity and confidence with every step.
Pre-Built Tools
You’ll get access to:
- Cashflow Trackers to simplify your spending and income.
- Pricing Calculators to confidently set and adjust your rates.
- Sales Planners and Trackers to map out your revenue goals with ease.
Available in Notion and Google Sheets.
Personalised Financial Strategy
Each module builds on the last, helping you create a strategy tailored to your unique business and goals. By the end, you’ll have a system that aligns your finances with the life you’re building.
Custom Money Date GPT
Meet your new financial assistant. This tool will guide you through your monthly Money Dates, helping you interpret your data, make decisions, and set intentional goals — all with AI-level precision and support.
Weekly Group Coaching
We’ll meet every Monday at 1pm where you can use the time to get support on areas you may be stuck on, get coached on your money mindset, or put your head down and work ON your finances.
Always-on Community
From troubleshooting challenges to celebrating wins, the support + community Slack group provides the support and accountability to keep you moving forward.
At the heart of Cashflow Confident is
The G.R.O.W.T.H. Framework
a proven system designed to help you align your finances with your vision, create sustainable habits, and glide into long-term wealth. Here’s how it works:
Goals
We’ll start by defining your personal and business financial goals — because without a clear destination, it’s hard to build momentum. You’ll leave this phase knowing exactly what you’re working toward.
Realistic Pricing
Pricing isn’t just numbers — it’s strategy. You’ll learn how to price your offers with confidence, ensuring you’re covering your costs, hitting your profit targets, and reflecting your value.
Overhead Control
You don’t need to cut costs to the bone to be profitable. Together, we’ll streamline your expenses, making room for both joy and growth.
Wealth Planning
From paying yourself consistently to building a savings buffer, this phase is all about creating a financial foundation that supports your business and your life.
Targeted Sales
Align your sales efforts with your goals, time, and energy. You’ll learn how to sell intentionally, hitting your income targets without burnout.
Happy Profits
It’s not just about hitting goals — it’s about celebrating them. Regular reviews will ensure your finances keep flowing smoothly, no matter how your business grows.
You started your business for freedom — to work on your own terms, pursue your passions, and live the life you’ve always dreamed of. But without financial clarity, that freedom can feel like a distant goal.
With Cashflow Confident, you’ll finally take control of your money:
Pay yourself consistently, every single month.
Build a financial buffer that protects your business and your peace of mind.
Save for your goals while still spending on what you love.
All for just £997.
YOU’RE JUST ONE STEP AWAY
And we haven’t even talked about the bonuses yet!
Waitlist bonuses!
Join the waitlist before the 13th January to get access to the ah-mazing bonuses below!
Save over £200
As a thank you for being an eager beaver, you get to save £220 off the full price making the program just £777 (or 3x £259 or 6x £129) – which tbh is an absolute steal!
Early access to the program
The doors officially open on the 20th of January however, the waitlist will get access from the 13th! Meaning you can jump right in and start your financial transformation right away!
1:1 Kickoff Call
If you’re one of the first FIVE amazing people to join Cashflow Confident, you can book in a 60 minute chat to get clear on your goals for the program, and create an action plan for success.
The important bit
3 x £333 £259
Pay in three (waitlist price)
Pre-recorded training modules
Weekly group coaching + co-working calls
Access to the always-on Slack community + support group
Pre-build resources + worksheets (on Notion + Sheets)
Custom GPT to help you with your monthly money dates
£997 £777
Pay in full (waitlist price)
Pre-recorded training modules
Weekly group coaching + co-working calls
Access to the always-on Slack community + support group
Pre-build resources + worksheets (on Notion + Sheets)
Custom GPT to help you with your monthly money dates
6 x £166 £129
Pay in six (waitlist price)
Pre-recorded training modules
Weekly group coaching + co-working calls
Access to the always-on Slack community + support group
Pre-build resources + worksheets (on Notion + Sheets)
Custom GPT to help you with your monthly money dates
Frequently Asked Questions
01. “What if I’m not good with numbers?”
You don’t need to be! My tools do the heavy lifting, and my coaching breaks down complex concepts into simple, actionable steps.
02. “What if my income fluctuates too much?”
The Overflow Formula and payday workflow are built for businesses with variable income. You’ll learn exactly how to manage cashflow, even in quiet months.
03. “I'm not sure if I have time for this.”
This program is designed for busy entrepreneurs. With quick-win modules, plug-and-play tools, and Slack support, you’ll save time while making progress.
04. “How soon will I see results?”
Most clients start paying themselves a set monthly salary within the first 30 days. And by the end of your first 90 days, you’ll have a clear system in place to support long-term success.
05. “How do I know it’ll work for me?”
If you’re ready to show up and implement the steps, it works. Just look at Elena, Leanne, and Meg — each started with financial chaos and finished with clarity, confidence, and control.
Let’s roll into financial freedom together.
Join Cashflow Confident today for £997 £777.
Not ready to work on your business finances? Need to sort your relationship with money out first?
Already managing your finances well and now you’re ready to begin investing and building your personal wealth?
Copyright © 2024 Emilie Nutley