Financial Coach - The Cash Flow Coach

Consider credit and financial counseling for credit cards debts, improving your credit score, reducing high interest rates and expenses. Increase your savings by managing spending and discover how and where to invest to increase net worth. Money coaching will help you focus so you can become financially independent and create greater wealth.

Dear Friend,

• Are you tired of living from paycheck to paycheck with no savings?

• Do you struggle every month to keep up with your mounting credit card bills?

• Does your "outgo" exceed your "inflow"?

• Are you suffering from "credit card hangover" from spending?

I help people take charge of their finances and get their money life together so you can live a more stress free life.

Hi, I’m Ernie Martin, "The Cash Flow Coach." I use the term "cash flow" because business people use cash flow management tools to lead their ventures to amazing success and profits. You can discover how to manage your personal finances and gain a life of financial freedom and independence through savvy spending habits, debt control and wealth creation strategies. You can increase your Net Worth and have a cushion of capital for the future, giving both you and your loved ones peace of mind, guaranteed.

Ask yourself the following questions:

Do you feel overwhelmed by credit card debt and other loans?
Do you pay only the minimum monthly payment on your charge accounts?
Are you constantly stressed and worried about money?
Do you survive from paycheck to paycheck barely covering your expenses with no savings?
Do you feel out of control and disorganized managing your finances?
Are you frustrated that you’re not able to save for emergencies and your future?
Are you clueless what to do to become monetarily prosperous and financially free?

I coach good people like you to get your money life together and use cash management tools so you can enjoy peace of mind. I walk my talk and practice the strategies I teach. I don’t worry about dips in business or job lay-offs because I’ve learned how to manage my cash flow so I can afford to take a year off and not even blink. Probably like you, I have had "cushy" jobs at times and I have had lay-offs. Like many Americans I have been through emergencies, divorce and other unforeseen calamities. When you have a cushion of capital and good cash flow management tools in practice, it makes it much easier to weather the financial storms.

The average American has six credit cards with about $2,000 debt on each card. This doesn’t include long-term debt like car loans, mortgages, home equity loans, college loans and much, much more. Americans are mired in debt. And why not? We live in a society that glorifies spending and keep-up-with-the-Joneses behavior while labeling the careful saver and money manager as boring and dull. A 1994 study showed Americans are bombarded with up to 4,000 advertising messages a day. That study was repeated in 2002 showing we now face up to 13,000 advertising messages every 24 hours.

We buy with no end in sight, spending more than we can afford. We hope to capture the good feelings that we see in commercials for owning the right car, the right cell phone, the right designer labels. We are lured by sales for things we don’t need. We are enticed by luxuries that make us appear more affluent and powerful. Then we feel stressed by all the time and emotional energy it takes to manage all our possessions.

Who teaches Americans how to manage their money?

Parents? Did your parents have their money act together?
School? Did you ever take "Personal Money Management 101?"
The Media? No way – the media encourages instant gratification

Most Americans are less than two months away from being homeless. If you’re tired of the drama of credit card companies controlling a big chunk of your discretionary income, cash flow coaching might be right for you. If you’ve had enough of no savings, no reserves and no options, coaching can help you change all that. If you’re terrified of what you would do if you lost your job it may be time for you to turn your life around and take control of your financial destiny.

To learn how I can help you click here.