What if budgeting felt simple?
Introducing The Breakthrough Flow™ — my 3-account method that finally makes your money make sense.
No more guessing, no more guilt. This method helps you split your income into just three categories:
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Bills — so nothing gets missed
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Spending — for everyday life without overspending
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Savings & Goals — because future-you deserves peace too
It’s flexible, fuss-free, and built for real people with real lives (and real bills).
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Budget Help, Your Way
Whether you need a quick fix, full support, or a done-for-you plan, I’ve got you.
Every service is built around my flexible 3-account system: The Breakthrough Flow™.
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A 30-minute 1:1 session focused on solving one specific issue.
Get unstuck fast and walk away with your next step.
2
A 60-minute coaching call to build or overhaul your entire monthly plan.
We'll look at your income, bills, spending, and goals together.
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No call required.Just complete a short form, and I’ll build your personalized Google Sheet budget in 2–3 business days.
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Grab budget planners and other great budgeting tools. All designed to help you take control of your money without feeling overwhelmed.
Built for real life. Powered by The Breakthrough Flow™
Every offer is built around The Breakthrough Flow™ , my flexible 3-account method that actually fits your real life.
Hey there! I’m glad you’re here.
I’m Melissa — budgeting coach, spreadsheet nerd, and creator of The Breakthrough Flow™.
After years of helping friends and family figure out their finances (and managing my own on a tight salary), I realized most people don’t need perfection — they just need a plan that fits their real life.
That’s where I come in.
I’ll meet you where you are, show you what’s possible, and help you finally feel in control of your money.
Fun fact: My first budget was built in a notebook with five different highlighters.
→ Now I build clean, powerful systems in Google Sheets and they’re honestly kinda pretty.