Cash Flow Confidence Program

Frustrated that your debt doesn’t seem to be decreasing & your savings aren’t increasing even though you make good money
You’re ambitious and driven and want MORE in life but you feel like you tell yourself you’re happy but really you know you’re just settling because of money
Feeling stressed leading up to vacations because you’ve put it on your credit card and feel that guilt hanging over your shoulder until it’s paid off--leaving you not able to fully enjoy the beach
You feel more stressed about money than your partner and deep down you don’t feel really heard because “we make good money”
You get frustrated because you want to do more with your money but end up overspending and feeling guilty
You tell yourself you deserve the purchase so then you buy it and feel bad about it because you’re not getting the results you want

Not having much of an emergency fund and you’re always playing scenarios out in your head of what would happen because you don’t actually have enough money to cover an emergency
Being able to give your kids or future family the life you didn’t have growing up, but you wonder how you’re going to be able to make this happen financially
If you’ll have enough to retire and what kind of life you’re going to live once you are unable to work anymore (and worried about the burden you may be on your family because of it)

Step 1 - Cash Flow Clarity

We’ll kick things off with a full onboarding experience so we can get on the same page with where you’re at financially. You’ll fill out my Cash Flow Clarity Worksheet, which we’ll review for accuracy in our 1:1 call, you’ll gain a new perspective on your financial status and we’ll be able to immediately identify any money leaks.

Step 2 - Cash Flow Plan

Thanks to your Cash Flow Clarity work, I’ll be presenting you with your personalized Cash Flow Management Plan, a system to help you see your income and expenses based on your pay periods and allow you to implement an initial spending and saving plan to reach your financial goals.

We’ll leverage the Plan Ahead Method to help you see your money status, inflows and outflows months in advance so you can start making the best financial decisions today for your future self.

Step 1 - Cash Flow to Skyrocket Savings

Phase 2 is all about making progress through quick actions and financial refinement. If you want to reach your financial goals and avoid those Whammy Expenses, you’ll need a designated place to save up and cover those things. You’ll skyrocket your savings in this step by setting up Specialized Savings Buckets and implementing a more aggressive savings strategy into your Cash Flow Management Plan.

Step 2 - Cash Flow to Ditch Debt

Who said you can’t save and pay down debt at the same time? Using my Ditch Debt Method, you’ll finally stop paying debt off, just to add more to the balance a month later. Instead, you’ll learn why you actually must build savings before or while you’re paying off debt, we’ll determine the deadline for you to jump off the debt hamster wheel, and find space in your Cash Flow Management Plan to put extra funds towards your debt so you can ditch it for good.

Step 1 - Cash Flow Success

Finally, it’s time to go beyond the day-to-day money management and look at the big picture. We’ll spend the first step of Phase 3 positioning you to think and dream bigger and determine what you really want out of this life. Most life-long goals come with a financial component, so we’ll use this time to determine the “true cost” of those bigger goals, and understand what tools we already have or need for you to achieve them moving forward.

Step 2 - Cash Flow Consciousness

Achieving success with the financial long-game requires a bit of reprogramming around how you think and act around money. When you have big, longer-term goals, limiting beliefs are bound to creep in, which is why all of my clients must learn about The 8 Types of Money to determine their own money patterns and break through the beliefs that are stopping them. In this step, you’ll understand what’s really holding you back financially, and begin to make positive, productive changes now that you are aware of your patterns and behaviors.

Step 3 - Cash Flow Credit

Credit is a seemingly small topic with a BIG impact on your long-term goals (and how much they will end up costing you), which is why I help you learn how credit actually works in the phase dedicated to your financial long-game. We’ll debunk the credit myths that are costing you thousands, make sense of your credit report, and learn what is in your control to help you increase your credit score and save thousands on big purchase decisions.

Step 4 - Cash Flow Expansion

What’s the fastest hack to achieving your financial goals (especially the big, long-term ones)?!? Increasing your income! This step will provide you with my 3-Option Income Audit to show you all the opportunities available to you to expand your cash inflows so you can make more money, feel more empowered, and get better, quicker results.

These two trainings inside of Cash Flow Confidence

will pay for your investment for this program, alone!

My clients who are not homeowners but become homeowners after working with me are really happy with their home purchases even years later. My clients who purchased a home before working with me, always say they wish they had this information before becoming a homeowner.

If you are wanting to become a homeowner in the future, you WILL want to have this information before making the biggest purchase of your life. You will feel the most educated & prepared for homeownership (or feeling empowered to continue renting instead), after going through the Home Ownership Training inside of Cash Flow Confidence.

After seeing hundreds of client's financial situations and their financial journeys, I've realized that the vehicle that you drive has a much greater impact on your life and finances than most people realize. But it's something we haven't been taught, how to properly evaluate how to go about choosing what kind of vehicle we drive and specifically how we purchase and finance vehicles. This training will be the most in depth training to help you know exactly how much you can afford for your vehicle, based on your specific financial situation and your life goals!

Mandyy's proven process has helped hundreds of clients (just like you!) change their lives and transform their finances.

What was your financial life like before you started working with me for coaching?

Before I started with Mandyy there was no real structure, system or transparency around my money. On many occasions I would transfer a bunch of money to my savings account only to have to transfer it BACK into my daily account because I had run out of money, or had to pay for something unexpected. I had no idea when payments were due out of my account, and no idea how much money I spent on eating/dining out, going out etc. It was all just one big guessing game.

What were your struggles with trying to get your finances in order on your own?

It was a mixture between lack of accountability, and also not knowing if what I was doing was right. I tried to do it myself once but I didn't have the confidence/belief in the system and myself that it was the best way to manage my finances. I tried using a budgeting app, but it just didn't work out. My finances have never been in a really "bad" position, I've never had any credit card debts. Because it had never gotten "bad" I never saw a reason to try and improve it, but there was a turning point when I got into a bit of debt to my partner, got myself out, and then fell back into it, and that didn't sit well with me, so I made the decision then that I would do something about it, to reduce the chances of getting myself in that situation again, and to equip myself with the knowledge and tools so that if I did, I'd know how to get myself out of it.

What were some of your highlights of financial coaching?

My partner and I planned to go travelling around Europe for 3 months, and with the way the whole spreadsheet was laid out, I was EASILY and QUICKLY able to figure out (pretty accurately) how much I was going to be able to save on my current income before our trip. Seeing that figure wasn't only a great insight, but it gave me the drive to push further, set a bigger savings goal, and actually go out and take action to accomplish it. If it wasn't for Mandyy and the tools she's given and taught me, I wouldn't be in the position I am right now.

You are so much more than a "financial coach". After every single call I always leave feeling happy and upbeat. I truly appreciate your support and understanding, you never once left me feeling ashamed of my situation or bad about anything I had done/not done. Mostly I love how you constantly push me not only to do better but to celebrate ALL my little wins along the way. From the bottom of my heart, thank you!

My mental health has improved greatly since working with Mandyy. I have been given money managing tools that have not only helped me pay off my debt, but have also helped improve my mindset relating to money. I have less stress and anxiety towards money.

I have really appreciated the customized help and step-by-step action plan she provides for me that is specific to MY goals.

I would recommend Mandyy to anyone and everyone! Even if you don’t have a huge goal like mine of paying off a big chunk of debt, I believe that you could still learn a ton from Mandyy and your life and mental health can greatly improve!

Before I began working with Mandyy, my financial life was chaotic and unorganized. I knew I needed help to get this chaos under control but I had no idea how to do it.

I always told myself next month will be different. I won’t overspend and I won’t have to dip into that LOC to pay off the CC. But there always seemed to be something new that arose. In November I had no more room on our house LOC so I had to take $15,000 from another line of credit to pay off the CC.

At first, I was worried about paying the monthly fee for financial coaching. I thought we are already struggling...Where are we going to find that money every month? Honestly, since I started working with Mandyy I haven’t worried about paying her...not even once. It just always seems to be there and it’s never a struggle. The money we have saved is worth every penny we paid of the monthly fee.

In three months, we have that $15,000 LOC paid off in full! I set a goal to pay that off in a year and it was paid off in three months. I can’t even begin to tell you how we feel about that. We’ve also managed to save approx $1500. I look forward to our meetings.

Mandyy is a caring and kind individual and I never feel she is judging me. I can’t tell you how she has changed my life. It has even helped with my relationship with my husband. We talk a lot more about things especially money.

I highly recommend Mandyy financial coaching service. No matter how big or small the issue is, her teaching abilities go above and beyond. This is a unique way to help get your financial issues under control and with dignity and acceptance. Thank you, Mandyy for changing my life.

You want to have more to show for the good money you make
You’ve created budgets and tracked your spending but you still feel like you’re living paycheck to paycheck and your debt really isn’t going down
You’re annoyed by the additional expenses that come up and seem to throw you off course, which then frustrate you and cause you to blow your grocery & eating out budget
You want to feel in control of your finances and your life and not have money controlling you
You're excited to feel confident about how you're managing your finances

She grew up in a family who didn’t have a lot of money, so from a young age she began her journey of learning how to effectively manage her money so she didn't struggle financially like her family did growing up. Mandyy dove into learning about money and implementing different strategies from a young age. She’s read over 70+ finance books to date and been interviewed on 50+ podcasts.

Mandyy went to school to become a power engineer and really enjoyed what she did. She was making a 6-figure income and achieved many of her big financial goals, at a young age.

What she realized though, was that a lot of the people she knew who were making really good income, many of them making 6 figures+ who were really smart and skilled people, were struggling financially. They weren't getting ahead, even when they would get a raise or a bonus. Seeing people who had good careers and income struggle financially, she knew she had to help these people.

This is what led her to begin her business coaching other people with their finances.

You can live a life where you aren't feeling so stressed, where you are truly getting ahead and making real financial progress. Let Mandyy show you how.

There's a lot of people who can teach you how to make money, but fewer people who can show you how to KEEP more of the money that you worked so hard for. How does she know that? Mandyy was able to save $250K by the age of 26. And she can show you how too!

She has the experience of working with 230+ clients and not just understands the tangible, logical steps to get ahead with money, but also understands and incorporates psychology and human behavior into her coaching as well.

Aside from Financial Coaching, Mandyy is a dog mom, a horseback rider, a health nut (she has a smoothie every morning and a giant salad for lunch) and she’s obsessed with Kombucha.

Mandyy is also the host of the Intentionally Wealthy podcast.🎙

Mandyy has helped her clients pay off debt, increase their savings & investments and get ahead with their money.

Have a positive six-figure net worth by age 24
Multiple six-figure investment portfolio
Increase her net worth by $100,000+ in a 12-month time span
Have a full emergency fund for when those "rainy" days came along
To save 20% for a deposit on purchasing a home
Graduate post-secondary 2x debt free
Pay 2/3 of her brand new SUV in cash
Help financially put her little brother through his first year of post-secondary education
Pay $23,500 for her show horse, something she loves!
Sponsor a child (because she wanted to give back in a bigger way)
Improve her sleep because she wasn't laying in bed worrying anymore
Overcome her extreme exhaustion because she improved her biggest stressor
Overcome her anxiety around money & no longer felt scarce every day
Have freedom and in turn, leave a 6-figure career
Feel confident, feel financially safe & secure & have peace of mind

Clarity on Where Your Money is Going
A System to Stop the "Whammies" & "Surprise" Expenses That Have Been Preventing You from Making Real Financial Progress
Fast Tracking Your Debt Payoff
Reducing Your Financial Stress & Anxiety
Increased Feelings of Financial Safety & Security
A Growing Savings Account You Aren’t Dipping Into
You’re Easily Paying for Big Expenses in Cash - Travel, Christmas, Vehicles, etc
More Options, Opportunities, Peace of Mind & Freedom
You Feel Empowered and Have Hope about Your Finances

I don't have debt, is the program for me?

Yes yes yes!

Not all of my clients who join have debt and still get so much out of the program. It’s not focused specifically on debt, but rather on how you can figure out where your money leaks are & plug them, free up more money to go towards whatever your specific priorities are & set yourself up for success.

I’m scared of how much it’ll cost

This is an investment in YOU, not an expense. If you show up & do the work, it will absolutely pay you back in far more than what you paid. If you have a free discovery call with Mandyy, you can talk about your different payment plan options, how to make the investment work and of course openly discuss any hesitations you have.

Why is it so important to apply right away?

Cash Flow Confidence has very specific deadlines, because of the 1:1 calls before the 12-weeks kicks off. If we discover you’re a better fit for the CFC program, rather than 1:1 client work, we have a lot less flexibility for calls and prep work. AND if you want to take advantage of my extended payment plan, you need to apply earlier.

It feels counterintuitive paying for coaching when I’m in debt

Totally valid! All of my past participants were scared to make the investment at first, and many of them were in debt, just like you. But they figured out how to make the first couple of payments work (even when it felt scary), until they were able to see their cash flow clearly and easily made the final payments.

I’m not sure about it being a hybrid 1:1 and group program, won’t that be weird?

This program is totally confidential, no one knows how much anyone makes, what they have in savings or if/how much they have in debt. It’s a super supportive environment where it’s clearly encouraged to talk about money and ask honest questions. If you have more sensitive questions you don’t want anyone else to know about, you just simply send me an email.

At the end when I asked people what their favorite part of the program was, many said the group setting, they loved having a supportive environment on their money journey.

TIRED OF MAKING GOOD MONEY BUT HAVING NOTHING TO SHOW FOR IT?

If you’re nodding your head right now, girl I’ve got you.

These two trainings inside of Cash Flow Confidence

will pay for your investment for this program, alone!

My clients who are not homeowners but become homeowners after working with me are really happy with their home purchases even years later. My clients who purchased a home before working with me, always say they wish they had this information before becoming a homeowner.

AMANDA ESNAOLA

In 6 months of working together, Amanda saved $21,600 & she travelled during this time too!

ANJULI LUCAS

MEAGAN CORMIER

SUSAN

MEET YOUR NEW FINANCIAL COACH, MANDYY THOMAS

Save/Invest a Quarter of a Million Dollars+ by Age 26

Applications Below!

TIRED OF MAKING GOOD MONEY BUT HAVE NOTHING TO SHOW FOR IT?!?

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