What is Behavioural Cash Flow Planning?

Behavioural Cash Flow Planning is not a BUDGET. It is a plan that helps you manage day-to-day cash flow. It is a written plan that takes into account your income, expenses, proximity to retirement (or other major goals) assets and liabilities and recommends how much you can spend on the things you can control in order to achieve your dreams. It includes specific and clear advice on both spending and debt repayment.

A Behavioural Cash Flow Plan™ also provides guidance on future costs like purchasing your next vehicle, handling emergencies and planning for major expenses such as renovations with the exact amount you should focus on spending with expenses you can control.

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How Does It Work?

A Behavioural Cash Flow Plan helps you harness your cash flow by eliminating unnecessary spending and interest leakages.  It unifies your debt load and day to day expenditures into an All-In-One Account. This helps to reduce unnecessary interest payments and bank charges.

You will receive:

  • A letter of engagement outlining the process and commitment of all parties

  • A written report that is easy to understand and use on a regular basis

  • A definitive hard dollar amount of HOW to alter your debts and cash flow patterns to achieve your dreams

  • A review process including a refreshed written plan

How Does it Benefit Me?

Behavioural Cash Flow Planning will ensure that you never run out of money or live pay cheque to pay cheque.

The unification process allows you to save thousands of dollars of inefficient interest and pay down your mortgage or other debts on average of 11 years sooner. This will result in thousands of dollars of interest savings.

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