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Money Management for People Who Hate Budgeting with Emilie Nutley

Jun 26, 2025
Guest
Emilie Nutley
Emilie Nutley, a finance coach for women who makes money management feel approachable, shares playful and practical money talk. She explains simple systems like a three-card spending method and using a small “breathing” fund. Expect candid takes on budgeting, why rigid emergency rules can backfire, and how to plan business cash flow without overwhelm.
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ADVICE

Reverse Engineer Income Goals

  • Be proactive with your money instead of reactive when sales come in.
  • Emilie reverse-engineered her income target to replace a corporate salary, set offer pricing, then tracked profit margin to allocate tax, owner's pay, savings, and an overflow pot.
ADVICE

Allocate Profit By Purpose Not Emotion

  • Break profit into purpose-driven allocations before spending it.
  • Emilie takes profit and first allocates tax, owner's pay, savings goals (e.g., new computer), pension or debt, then uses leftover as an 'overflow' buffer.
ADVICE

Use Few Digital Pots Not Many Accounts

  • Use a few digital pots, not dozens of bank accounts, to manage business cash.
  • Emilie keeps one main account, auto-takes tax, and uses a small number of digital pots (tax, specific goals, overflow) to reduce mental load.
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