A simple 3-account money system for women who make decent money and still can't tell where it went.
You shouldn't have to check your bank account and wonder what's safe to spend, whether the bills are covered, or if you're forgetting something.
Breakthrough Flow™ is the simple money system I created around real life, so you know where your money stands and what comes next.
You can be doing
a lot right with money
and still wonder if you're actually okay.
Maybe the bills are getting paid.
Maybe you're even saving.
But you're still opening your bank account and doing the math in your head.
How much of that is actually available?
What's coming out before payday?
Did I forget something?
Can I buy this without regretting it later?
Am I saving enough?
You don't need to carry all of those
questions around in your head.
You deserve to know
The problem isn't that you need to think about your money more.
Your money shouldn't only work when you're perfectly organized and paying attention.
It needs a system that works with your real life.
Meet Breakthrough Flow™
Know exactly what you can do with the money you have.
Breakthrough Flow™ is my money system built to answer three questions:
BILLS
Are my bills covered?
SAVINGS
Are my savings goals on track?
SPENDING
How much can I spend without messing either of those up?
Instead of keeping bills, savings, and spending mixed together, Breakthrough Flow™ gives each one a clear place, so you don't have to keep figuring out what the number in your bank account actually means.
You know exactly what you can do with what you have.
I learned the hard way that money in your account doesn't always mean money you can spend.
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Hi, I'm Melissa. And long before Breakthrough Budgets™ existed, I was trying to figure out how to make our money work in real life.
I learned one of my biggest money lessons when I spent money that looked available in our account. Only to realize it was already supposed to cover rent.
Then the 2008 financial crisis hit, I was laid off, and suddenly I needed more than a budget.
I needed to know.
I built a spreadsheet that mapped every paycheck, unemployment check, bill, and expense so I could see exactly where we stood. Eventually, that evolved into separating our bills from our everyday spending. And over time, into the system I use today.
Breakthrough Flow™ wasn't created because I love budgeting. It was created because I got tired of wondering what the money in our account actually meant.
Our finances have changed a lot since then. But the thing I want from my money hasn't:
I want to know what's covered, know what we're working toward, and know what we can spend without messing either of those up.
That's what I built Breakthrough Budgets™ to help other women know, too.
What this looks like in real life
Because knowing what your money can do changes what you do with it.
“For the first time, I don't feel lost or guilty about my money. The Flow makes everything clear, and I actually understand where my money is going. Total game changer”
Lisa
“As a working mom, I don't have hours to spend on budgeting. With this system, I set it up once and just check in each month. It's simple and doesn't eat up my time."
Amanda
“Omg bills are caught up. I started cancelling my apps... Here is to start building a savings account.”
Maria
Where do you want to start?
You don't have to change everything at once. Start with the kind of support you need right now.
I just need somewhere to start.
Get the free Budgeting Starter Kit and start getting a better picture of where your money stands.
I want a system for my money.
Learn how Breakthrough Flow™ separates bills, savings, and spending so you know what's covered, what's on track, and what you can spend.
I want help with my specific situation.
Sometimes you don't need another worksheet. You need someone to look at what's happening with your money and help you figure out what to do next.
Want to learn Breakthrough Flow™ with me? Join the waitlist for the next live workshop.
You don't need to know exactly what's going to happen next.
You just need a money system that helps you know where you stand when it does.
Stop wondering. Start knowing.