Beat the cash flow rollercoaster

5 tips for hanging on to more of your hard earned income

Sometimes being in business can be like being on an emotional rollercoaster. There are big, soul-soaring ups, and then unexpected bumps and free-falls. But if you keep a good handle on your finances, you can smooth out the downs, and really enjoy the ups, knowing that your money cushion will keep you safe if anything unexpected happens.

Maybe you’ve experienced lots of cash coming in following a great deal or a new client. You think, wow, work is plentiful, and all of a sudden you start spending a little more on software, or investing more than you would in a new marketing strategy, or just generally increasing your spending to match (or supersede) your new income.

Maybe on the other hand, you know in the back of your mind that you’re not sure how you’d cope with a big influx in business, so you do everything you possibly can to control any growth, whilst simultaneously and consciously working super hard to bring money in.

If either of these strategies sound like you, don’t fret. You are not alone. There is nothing wrong with you, and there is nothing to beat yourself up over. Sometimes our identity, when it comes to money and cash flow, needs to be stretched a little.  There are some small actions you can take, right now, to do just that, and put your money on a firmer footing.

“Smooth out the money rollercoaster to a leisure cruise, and the business bumps and jumps will take care of themselves.”  ReTweet This.

Alleviate the financial rollercoaster: How to have more money at the end of each quarter

1. Define what you love, what lights you up and what you want to spend time doing. Spend your personal income on that. This way you feel more fulfilled and you will naturally make your money go further as you won’t be trying to plug emotional gaps by manifesting bumps in the road in your business. You’ll also spend less, because you’ll be happier.

2. Stop spending money on those things that aren’t aligned with your goals/ inner purpose. Ask yourself, am I spending money on this to fill an emotional void or to feel differently about myself. If yes, take that money and spend it on something in point 1.

3. Keep a cash buffer in your account – even if you are trying to pay off credit cards. Having the cash in the bank will help you make better decisions. You’ll also value yourself more at those critical moments when you’re deciding what you will do for money and what you won’t do. This is essential to being able to value yourself and attract what you are worth.

4. Put every bill you can on automated payment – personal and business. It works out cheaper, means you don’t have to think about it, freeing your mind up for important things, and also helps in defining what your expenses are on a monthly basis.

5. Save at least a small amount each month on standing order – preferably into a savings account you can’t access easily. You’ll have heard the expression “pay yourself first”. Make sure this standing order comes out soon after you are paid. It will then reduce in your mind the amount you have to spend that month and you will spend less.

These steps will completely transform your relationship with money, forever – but you have to do them! Thinking about it won’t change anything.

Two things to take action on right now:

Thing 1:

Make sure you’re doing all of the above five points.

Thing 2:

Go to to discover everything from why cutting back on your lattes won’t improve your finances, to how to increase the bottom line of your business by unleashing your money genius, and not working harder.

To your success!

Be the change that you want to see. Step into your leadership.


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