1. Cash Management System
The “#MoneySavvy”
Cash Management System
Learn how to manage your cash-flow without the pressures of feeling like you’re on a budget

2. Here’s what you’ll discover
Simplify and automate your financial life
Develop a clear framework for making spending decisions
Help you to prepare for life events and unexpected challenges
How to allocate all of your financial resources

3. How Most Households Manage Money

4. How Most Households Manage Money
Cash
ATM
“Mad Money”
Credit Card
Home Equity Loan
Dining
Home Mortgage
Entertainment
Car Loan
Shopping
Insurance
Groceries
Medical
Utilities

5. Three “Buckets” Of Money
An Easier, More Effective Approach

6. Your Three “Buckets” Of Money
Fixed Bucket
Variable Bucket
Future Bucket
Past
Commitments
Present
Choices
Future Needs
& Wants

7. How the Buckets work Fixed Bucket – 30 Day Money
What you will spend on a monthly basis to cover your fixed expenses and financial commitments
Variable Bucket – 7 Day Money
What you will spend in a week to cover your fixed expenses and financial commitments
Future Bucket – Future Money
What you save to fund your needs and wants

8. You are able to predict these expenses – there are no surprises
The Fixed Bucket
These are the expenses that you incurred in the past and or have agreed to make regular payments on
You are able to predict these expenses – there are no surprises
It is critical to know how much money it takes to operate your household on a monthly basis

9. Examples of Expenditures
Fixed Bucket
Mortgage
Property Taxes
Car Payments
Utilities (telephone,
electricity, garbage)
Credit Cards
(debt reduction only)
Services (house –
Cleaning, health club)
Insurance
(Premiums)
Giving
(Set commitments)
Past
Commitments

10. The Variable Bucket
Use this money for regular weekly expenses that typically vary in cost
These expenditures are hard to monitor—”Where does the money go?”
Deciding ahead of time how much money to put into the Control Bucket is an easy method for understanding and managing these expenditures

11. Examples of Expenditures
Control Bucket
Groceries
Gas
Eating Out
Lattes
Recreation and Entertainment
Socializing (drinks, food, parking)
Lunches
Parking
Cash (“spending money”)
Present Choices

12. Future Needs and Wants:
The Future Bucket
Future Needs and Wants:
The dynamic Bucket is also a tool for achieving your goals and dreams.
This is the money you will spend in the future
This bucket prepares you for expected and unexpected financial challenges.

13. Examples of Expenditures
Dynamic Bucket
Cash Reserve and Emergency Fund
Holidays and Gifts
Vacations
Home and Yard
(Furnishings, Improvements)
Car Repair and Replacement
Education Funding
Special Giving/Sharing
Retirement Savings
Future Needs and Wants

14. (future needs and wants)
How the Buckets Work
The size of your STATIC BUCKET (past commitments) limits the size of your
CONTROL BUCKET (present choices) and what is available for your DYNAMIC BUCKET
(future needs and wants)

15. How the Buckets Work
Lack of focus on your CONTROL BUCKET (present choices) will reduce/eliminate money that could be available for your DYNAMIC BUCKET (future needs and wants)

16. How the Buckets Work
When a large expense occurs, and the money has not been saved in your DYNAMIC BUCKET (future needs and wants), it gets added to your STATIC BUCKET (past commitments) in the form of debt.
This builds a larger STATIC BUCKET (past commitments) and reduces the amount of money available for your CONTROL BUCKET (present choices) and DYNAMIC BUCKET (future needs and wants).

17. Your Money Savvy Cash Flow
Income to your Household
Weekly Lifestyle and Personal Expenses
Debit or Cash
Monthly Savings for Future Expenses
Saving Accounts
Fixed expenses for your Household

18. How the Buckets Work
When a large expense occurs, and the money has not been saved in your DYNAMIC BUCKET (future needs and wants), it gets added to your STATIC BUCKET (past commitments) in the form of debt.
This builds a larger STATIC BUCKET (past commitments) and reduces the amount of money available for your CONTROL BUCKET (present choices) and DYNAMIC BUCKET (future needs and wants).

19. Money Savvy Cash Management This is what this system will do for you:
Simplify and automate your financial life 01 02
Demonstrate how your financial resources are allocated
Provide an effective way to communicate about your household finances
Develop a clear framework for making decisions 03 04
Clarify your priorities and develop a powerful process for achieving your goals and realizing your dreams
Help you to prepare for life events and unexpected challenges 05 06