Build savings, pay off debt, and build long-term financial security.
Six-Figure Safety is a 1:1 money coaching program with self-paced curriculum and group support where over 12-months we get your money working harder for you to enjoy today, and build lasting wealth.
Keep more of the money you're making
Build savings, pay off debt, and build long-term financial security.
We’ll look at your numbers together and see if this is the right move for you right now.
Six-Figure Safety is a 1:1 money coaching program with self-paced curriculum and group support where over 12-months we get your money working harder for you to enjoy today, and build lasting wealth.
Emily thought she didn’t earn enough to pay herself. Now she’s hitting £5k months and paying herself consistently.
Emily wasn’t paying herself because she never felt like she made “enough”. Her cashflow felt unpredictable, she was avoiding her numbers and making decisions on vibes, hoping it would all even out one day.
When she joined Cashflow Confident (now part of SFS) in 2024, we restructured her business finances from the ground up. She learned what to track, how to plan ahead, and how to make decisions based on her actual numbers instead of anxiety.
While inside the program she hit her first £5k sales month, built proof that she can manage money, and started paying herself regularly. Most importantly, she’s now building a business that actually supports her and her family.
…but your own financial future is an afterthought
You know your revenue because your accountant sends reports or you check Stripe, but your bank account never seems to reflect those numbers. Where does it all actually go?
You pay yourself whatever's left or whatever your accountant says, then sneak a bit extra after a good sales month. When things go quiet, the guilt and panic kick in immediately.
You’re terrified of the VAT threshold. Not because you don’t want to grow, but because you’ve no idea how to handle that level of responsibility without f*cking it up.
You’ve achieved so much – maybe the house, the holidays – but long-term wealth is a complete mystery. Will you ever actually be able to retire?
Cash keeps coming in, but it never feels safe, and you’re one wobbly launch away from wondering if you’ll have to go back to a 9–5.
You give your clients 110%
…but your money still feels chaotic.
You know your revenue because your accountant sends reports or you check Stripe, but your bank account never seems to reflect those numbers. Where does it all actually go?
You pay yourself whatever's left or whatever your accountant says, then sneak a bit extra after a good sales month. When things go quiet, the guilt and panic kick in immediately.
You’re terrified of the VAT threshold. Not because you don’t want to grow, but because you’ve no idea how to handle that level of responsibility without f*cking it up.
You’ve achieved so much – maybe the house, the holidays – but long-term wealth is a complete mystery. Will you ever actually be able to retire?
Cash keeps coming in, but it never feels safe, and you’re one wobbly launch away from wondering if you’ll have to go back to a 9–5.
Hey, I’m Emilie — money coach, financial strategist, and creator of Six-Figure Safety.
Since 2020, I’ve helped 1,000+ women and business owners build consistent pay, real savings, and long-term financial security — not just through spreadsheets, but through practical strategy that actually works with real lives and real brains.
My work sits at the intersection of profit strategy, money psychology, and long-term wealth building — designed specifically for people with inconsistent income who were never taught how to feel safe with money.
I have ADHD. I know what it’s like when your money system lives in your head and opening your banking app feels overwhelming. That’s why the tools I teach don’t rely on perfection, willpower, or rigid routines. They’re built to be practical, forgiving, and easy to stick to — even when life is busy or chaotic.
I’m also a toddler mum. I built my six-figure net worth while pregnant, on maternity leave, and running a business on around 10 hours a week. I didn’t hustle my way here. I structured my way here.
I didn’t start from a position of privilege or “financial common sense”. I started on £1,300 take-home a month, splitting rent 50/50, trying to build a business around corporate hours. Now, I pay myself £3k/month working part-time, with savings, investments, and breathing room.
I’ve been in debt. I’ve been in the cycle. I’ve lived the panic.
And that’s why I created Six-Figure Safety.
Most business owners don’t struggle with money because they’re irresponsible or bad at it. They struggle because no one ever taught them how to manage money when income is inconsistent and expenses are unpredictable.
What changes when your income is working for YOU:
You've got a financial cushion within both your business and your personal life which allows you to chill the f*ck out and stop worrying about the *what ifs* because you finally have the knowledge you need to survive whatever life throws at you.
Financial anxiety becomes a thing of the past 💅
Bigger home. Another baby. The VA hire. The renovation.
You know your numbers well enough to know what you can actually do, when you can do it, and what needs to happen first.
You make big decisions with confidence 💡
Investments growing in the background, a pension that actually exists, smart reinvestment back into your business.
You understand how to make your money work when you're not.
Your money is making you more money 📈
You spend freely on the things you love (M&S Foodhall anyone?) because you know you're covered.
The spontaneous dinner, the weekend away, the thing you want without calculating whether you're allowed.
You get to enjoy your life now 🛍️
Your kids' futures are being built.
Maternity leave is a plan not a prayer.
The people depending on you are covered whether you have a good month or a bad one.
Your family is taken care of 👨👩👧
Money is no longer the thing running in the background of every decision, every purchase, every quiet moment. It just works. And you barely have to think about it.
You're just... financially unbothered 🤷♀️
Bigger home. Another baby. The VA hire. The renovation.
You know your numbers well enough to know what you can actually do, when you can do it, and what needs to happen first.
You make big decisions with confidence 💡
Investments growing in the background, a pension that actually exists, smart reinvestment back into your business.
You understand how to make your money work when you're not.
Your money is making you more money 📈
You spend freely on the things you love (M&S Foodhall anyone?) because you know you're covered.
The spontaneous dinner, the weekend away, the thing you want without calculating whether you're allowed.
You get to enjoy your life now 🛍️
Your kids' futures are being built.
Maternity leave is a plan not a prayer.
The people depending on you are covered whether you have a good month or a bad one.
Your family is taken care of 👨👩👧
Ginny raised her prices 69%, reduced her part-time hours, and bought a house
Ginny was working a part-time job alongside her business because she didn't think her business could fully support her. She knew she needed to earn more, but she felt stuck.
We calculated what she actually needed to earn. We mapped out her offers and ran the numbers on how many sales she needed. Then we identified the gap.
She raised her rates by 49% immediately, with plans to increase them even more — totalling a 69% price rise. (Yes, she was massively undercharging before.)
She took on a new client despite telling herself she didn't have capacity (mindset block, not reality), which allowed her to reduce her hours at her part-time job.
Now? She's debt-free and a new homeowner!
"[buying a house] would have never happened without you. Thank you."
Introducing:
The financial foundation your business + life has been missing.
A 12-month 1:1 mentorship programme with group support that gives you the education, strategy, and support to turn fluctuating income into predictable pay, growing savings, and lasting wealth.
We’ll look at your numbers together and see if this is the right move for you right now.
"The peace that Cashflow Confident has brought me is insane!"
now Six-Figure Safety!
Money triggered Dais' fight-or-flight response leading to avoidance, anxiety, and constantly chasing the next sale just to stay afloat.
She joined Cashflow Confident because she was exhausted. She knew she was making good money, but she had no idea where it was going or why it never felt like enough.
Inside the programme, she learned how to manage her money with ease. She structured her business in a way that actually worked for her lifestyle, raised her rates by 33% (feeling completely confident doing it.)
When she hit a wobble, she came back to the group calls and used the tools to get herself out of it — because they're tangible, they make sense, and they work.
The Investment
✓ Self-paced curriculum
✓ Bi-weekly hot-seat coaching
✓ Monthly co-working sessions
✓ A private community
✓ on-demand pocket cfo reviews
✓ quarterly 1:1 strategy calls
one payment of £2,500
six installments of £420
12 installments of £210
We’ll look at your numbers together and see if this is the right move for you right now.
[via @lettersandlines.co]
The Confident Money Method
You're making money but you don't know what you can actually afford to spend, how much is safe to pay yourself, or if you'll ever be able to retire.
The Confident Money Method gives you the exact steps to sort all of it. Across three phases, you'll get the clarity, tools, and support to pay yourself consistently, enjoy your money without the guilt spiral, and build wealth that lasts, even when your income fluctuates every single month.
Before anything else, you need to know what's actually coming in, and when.
This phase helps you build a business model that generates consistent revenue, so you can start paying yourself properly instead of crossing your fingers at the end of every month.
We'll then implement a simple money system that automatically handles tax, builds your buffer, and pays you every single month.
Phase 1: The Predictable Income System
You'll implement my Joyful Money Method™ which a simple three-account structure that pays you first, builds your savings as standard, and clears debt without restriction or guilt.
You'll finally stop moving money around hoping it works out, and start knowing it will.
This is where we focus on expanding your savings to make sure you're protected from whatever live throws at you.
Phase 2: The Get Ahead Framework
Most online business owners reach £5k months and realise they still have no pension, no investments, nothing to show for it long-term.
This phase fixes that with jargon-free investing education and retirement planning.
You'll start building wealth that exists beyond your next launch, so your business becomes the vehicle, not the ceiling.
Phase 3: Future-Proof your Finances
Before anything else, you need to know what's actually coming in, and when.
This phase helps you build a business model that generates consistent revenue, so you can start paying yourself properly instead of crossing your fingers at the end of every month.
We'll then implement a simple money system that automatically handles tax, builds your buffer, and pays you every single month.
Phase 1: The Predictable Income System
You'll implement my Joyful Money Method™ which a simple three-account structure that pays you first, builds your savings as standard, and clears debt without restriction or guilt.
You'll finally stop moving money around hoping it works out, and start knowing it will.
This is where we focus on expanding your savings to make sure you're protected from whatever live throws at you.
Phase 2: The Get Ahead Framework
Most online business owners reach £5k months and realise they still have no pension, no investments, nothing to show for it long-term.
This phase fixes that with jargon-free investing education and retirement planning.
You'll start building wealth that exists beyond your next launch, so your business becomes the vehicle, not the ceiling.
Phase 3: Future-Proof your Finances
What you get access to for 12-months
Money Momentum Sessions
Get advice that leaves you feeling inspired and clear on how to make your money work for you.
And more often than not, someone else's question answers something you didn't know you needed to ask.
The 3-Phase Curriculum
- Bite-sized video lessons with practical workbooks
- Self-paced learning that fits around real life and variable income
- Fresh content added throughout the year as your finances evolve
Pocket CFO Reviews
Submit it and get a private personal video response with clear, specific guidance, sent directly to your email inbox. No sharing of numbers or private data required.
It's the kind of private financial guidance that usually costs a lot more than this.
Quarterly 1:1 Growth Calls
AKA your pricing, your savings rate, your next financial goal.
This is the call that stops you drifting through another quarter wondering why nothing feels different.
The Safety Net (Slack)
Ask questions, share wins, and get answers from people who actually get it.
Because doing this alongside others makes it stick faster.
Cashflow Co-working
This is how money management stops being the thing you keep avoiding.
These calls are on the first Monday of every month at 8pm GMT/BST.
Fortnightly live coaching calls.
The structure that makes money feel steady
My eyes on your numbers + coaching your mindset wobbles.
Every 90 days we recalibrate.
A calm place to build financial safety — together
Because knowing what to do and actually doing it are two different things.
and lifetime access to my 'life-changing' 'holy grail' spreadsheets + tools
This is how you'll always know exactly where your money is going, what's safe to spend, and how much Overflow you have to pay yourself, save, or clear debt.
Emelie has paid herself monthly for a year, taking a $2k/m payrise while hiring to scale her business.
Lisa paid off her student loan, built emergency savings, and increased her business income.
When Lisa joined, she was tracking every transaction just to feel calm, yet still felt like she should be doing more. She wanted to invest, save smarter, and manage her 9–5 and business income together, but didn't know where to start.
Lisa worked through her business finances and personal finances, then moved into wealth building. She learned how to save with intention, invest with confidence, and finally treat her business like a business.
She cleared her student loan two weeks into our work, built systems she actually trusts, and stopped sacrificing her lifestyle for the sake of "being good with money."
Meg went on a month long holiday and still saved 5-figures as a VA.
Before working together, money felt messy and directionless for Meg. There were lots of future goals swirling around… but no plan to reach any of them. Cue overwhelm, avoidance, and a sneaky belief that investing was for "other people."
Meg worked through all three phases: business finances, personal finances, and wealth building. She learned how to track her spending, save toward specific goals, and build a plan for retirement — including pension contributions and long-term investing.
Now Meg is saving consistently, investing with confidence, and has a retirement plan in motion. She's realised that she absolutely is the kind of person who invests, and that managing money can actually feel exciting.
Meg went on a month long holiday and still saved 5-figures as a VA.
Before working together, money felt messy and directionless for Meg. There were lots of future goals swirling around… but no plan to reach any of them. Cue overwhelm, avoidance, and a sneaky belief that investing was for "other people."
Meg worked through all three phases: business finances, personal finances, and wealth building. She learned how to track her spending, save toward specific goals, and build a plan for retirement — including pension contributions and long-term investing.
Now Meg is saving consistently, investing with confidence, and has a retirement plan in motion. She's realised that she absolutely is the kind of person who invests, and that managing money can actually feel exciting.
Lisa paid off her student loan, built emergency savings, and increased her business income.
When Lisa joined, she was tracking every transaction just to feel calm, yet still felt like she should be doing more. She wanted to invest, save smarter, and manage her 9–5 and business income together, but didn't know where to start.
Lisa worked through her business finances and personal finances, then moved into wealth building. She learned how to save with intention, invest with confidence, and finally treat her business like a business.
She cleared her student loan two weeks into our work, built systems she actually trusts, and stopped sacrificing her lifestyle for the sake of "being good with money."
Emelie has paid herself monthly for a year, taking a $2k/m payrise while hiring to scale her business.
Lisa paid off her student loan, built emergency savings, and increased her business income.
When Lisa joined, she was tracking every transaction just to feel calm, yet still felt like she should be doing more. She wanted to invest, save smarter, and manage her 9–5 and business income together, but didn't know where to start.
Lisa worked through her business finances and personal finances, then moved into wealth building. She learned how to save with intention, invest with confidence, and finally treat her business like a business.
She cleared her student loan two weeks into our work, built systems she actually trusts, and stopped sacrificing her lifestyle for the sake of "being good with money."
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Quick wins + long-term wealth
✓ You'll have a clear monthly spending plan that's funding your immediate financial goals
✓ You'll have a simple sales plan to hit your dream life revenue goal + the offers to support it.
✓ You'll have the structure in place to easily manage your money each month.
in 30 days
✓ You're net worth has increased by at least 50%.
✓ You have financial security across your business, personal both short-term and long-term.
✓ You have a retirement plan in action, and your investments are growing above the rate of inflation.
in 365 days
✓ Your profit has increased by 5-15% and you're taking-home more.
✓ You have control of your money + the confidence to make smart financial decisions.
✓ You have a buffer in your business, and a personal Emergency Fund covering everything life throws at you.
In 90 days
Quick wins + long-term wealth.
✓ You'll have a clear monthly spending plan that's funding your immediate financial goals
✓ You'll have a simple sales plan to hit your dream life revenue goal + the offers to support it.
✓ You'll have the financial structure in place to easily manage your money each month.
in 30 Days
✓ Your profit has increased by 5-15% and you're taking-home more.
✓ You have control of your money + the confidence to make smart financial decisions.
✓ You have a buffer in your business, and a personal Emergency Fund covering everything life throws at you.
In 90 Days
✓ You're net worth has increased by at least 50%.
✓ You have financial security across your business, personal both short-term and long-term.
✓ You have a retirement plan in action, and your investments are growing above the rate of inflation.
in 365 days
Rachel went from ‘£10k months but no safety’ to riding an income dip without panic — while finally building savings.
Rachel had pretty consistent £10k months for two years, but had almost no personal buffer and was over-saving for tax out of fear. Inside Bloom Your Wealth (now part of Six-Figure Safety), we rebuilt her numbers and uncovered £30k in available dividend reserves she didn’t realise she had.
She set up her Breathing Fund, opened her Stocks & Shares ISA, made her first investment, and increased her pension contributions. And when she hit a low-revenue month, she reduced dividends by £500 without spiralling — protected by the new £1k+ personal savings.
Now she isn’t guessing. She knows exactly what’s safe, what she needs, and how to build wealth even when income fluctuates.
Jess didn’t just “get better with money” — she completely rewired her financial future and her daughter’s.
Before we worked together, Jess did what a lot of creatives do: avoided the numbers, hoped things would work out, and kept telling herself she “should have figured this out by now.” Her income was unpredictable, her spending was mixed across multiple credit cards, and none of her investing had a clear purpose.
Within weeks of working together, that changed. She increased her pension contributions by 37.5%.
But her proudest moment was investing into her daughter’s Junior ISA — the first time she has ever intentionally built long-term wealth for her child, who now has a future pot that could grow to £20k–£23k by adulthood, even at modest returns.
Harriet built business and personal savings for the first time in her life, and paid her tax-bill in full.
Liv gave money to her dad so she wouldn't spend it. Now she's independent and goes on multiple holidays a year.
Alex paid off three personal credit cards, and cleared over £2k of business debt.
Claire re-wrote her relationship with money, paid off £5k of credit card debt and built almost 5-figures in savings.
Harriet built business and personal savings for the first time in her life, and paid her tax-bill in full.
Before we worked together, Harriet believed she was just "bad with money," and her scarcity-filled upbringing made it even harder to trust herself with finances.
Now Harriet has a personal money system that works. She's budgeting for joyful spending without the guilt, and feels calmer, more confident, and more equipped to handle whatever comes next.
"Working with Emilie is one of the best investments I've ever made for my business. I now feel more organised and confident despite having an inconsistent income. I've learned things I never could have figured out alone. If you're thinking about working with Emilie, just go for it!"
Alex paid off three personal credit cards, and cleared over £2k of business debt.
Alex was stuck in a loop of avoidance. Money was coming in, but just as quickly going out — with no real idea where. She felt stressed, scattered, and secretly ashamed of how out of control her finances felt.
In under three months she had paid off over £2K in business debt, cleared two credit cards, and now actually enjoys managing her money. Alex is no longer scared to make financial decisions, because she knows what's possible.
"The shift has been HUUUUGE. Paying off debt has become fun (who even am I?). I finally feel in control, not micromanaging, but actually managing. I know what I can spend, save, or invest, and I'm not afraid to look at my money anymore. That's massive."
Liv gave money to her dad so she wouldn't spend it. Now she's independent and goes on multiple holidays a year.
Liv didn't think of herself as someone who could budget or save. When commission came in, she'd splurge — then spend the next two weeks stressed, scraping by, and opening yet another overdraft.
Now she's saving consistently, budgeting with purpose, and spending in a way that actually feels freeing. She's thinking long-term for the first time ever — with clear goals, future plans, and a way of managing money that actually supports her happiness.
"I used to feel panicked about money and had no savings at all. Now I've got separate pots, clear goals, and the confidence to enjoy my money without guilt. I'm more consistent, more independent, and I'm finally not desperate for payday. That alone is massive. Thank you!"
Claire re-wrote her relationship with money, paid off £5k of credit card debt and built almost 5-figures in savings.
Claire was stuck in an exhausting loop: focused entirely on debt, never letting herself spend on anything joyful, and drowning in guilt whenever she did.
Now she's built up real savings, has a breathing fund for the first time, and is debt-free, while spending on things that bring her joy (hello concerts and personal training.)
"When I say it's been life-changing, I mean it. I used to think I was just bad with money, but I just didn't have the right tools. Now I've built savings, nearly cleared my debt, and spend without shame. I feel a thousand percent more confident."
Over 12 months, you’ll you'll build financial safety and complete financial confidence. Debt gets handled. Savings grow. You take home a salary that supports your life, because your money finally has a structure that works.
In the first 30 days, you’ll stop dreading money conversations. You’ll know what’s coming in, what’s safe to spend, and how to pay yourself, even when income fluctuates.
✓ Self-paced curriculum
✓ Bi-weekly hot-seat coaching
✓ Monthly co-working sessions
✓ A private community
✓ on-demand pocket cfo reviews
✓ quarterly 1:1 strategy calls
£2,500 pay in full
£420 over six months
£210 over twelve months
We’ll look at your numbers together and see if this is the right move for you right now.
