In this episode, financial strategist and certified money coach Emilie dives into the often-overlooked topic of lowering prices. With six years of experience in finance, Emilie offers valuable insights into the strategic decisions behind adjusting her rates. She reflects on her journey from starting as a money coach in 2024, initially charging £1,500 for three months of one-on-one coaching, to her current prices. Emilie discusses the importance of understanding her ideal client’s financial situation, the need for alignment between perceived value and investment, and her own mindset shifts in pricing. She emphasises the necessity of balancing her offerings to ensure accessibility and sustainability while delivering impactful results. Through her story, Emilie provides practical advice for fellow business owners on pricing strategies and maintaining business growth.
00:00 Introduction and Purpose
00:09 Emilie's Background and Experience
01:26 Initial Pricing Strategy
02:36 Transition to Business Owners
04:06 Group Program Development
05:34 Mindset and Pricing Adjustments
08:10 Current Pricing and Ideal Client
16:16 Future Plans and Offers
19:36 Conclusion and Contact Information
✨ Grab the £97 Pricing Tookit → https://emilienutley.co.uk/pricing-toolkit
🪩 Apply to work 1:1 with me → https://emilienutley.co.uk/money-coaching
💌 Get my emails, Not Just Revenue → https://emilienutley.myflodesk.com/
This week's discussion focuses on the concept of a 'life-first business,' emphasizing the importance of prioritizing personal life and well-being while managing a business. Emilie highlights the common pitfalls of letting a business take over one's life and shares personal experiences of balancing business with childcare and mental health challenges. Emilie discusses strategies for maintaining control over business operations, setting profitable prices, and ensuring that business goals align with personal life goals. The goal is to create a sustainable business model that supports the desired lifestyle while managing financial responsibilities effectively.
00:00 Introduction to Life First Business
00:26 Defining Life First Business
02:07 Balancing Business and Personal Life
04:17 Personal Struggles and Adjustments
09:14 Financial Strategies and Business Control
14:00 Revenue Goals and Strategic Planning
17:54 Living Your Ideal Lifestyle
23:03 Conclusion and Final Thoughts
✨ Grab the £97 Pricing Tookit → https://emilienutley.co.uk/pricing-toolkit
🪩 Book a Q4 Money Reset → https://www.instagram.com/emilienutley
💌 Get my emails, Not Just Revenue → https://emilienutley.myflodesk.com/
In this episode of The Fund Your Damn Life podcast, Emilie shares insights about a common money belief encountered during her client calls: the struggle to hold onto money. She explains why the idea of hoarding money is rooted in scarcity thinking and emphasises that money is meant to flow. Emilie discusses the importance of having clear savings goals, the value of intentional spending, and reframing how we view money and savings. She concludes by highlighting the need to create spending plans that align with personal goals and joys, stressing that it's okay to spend money to enjoy life.
00:00 Introduction and Setup
00:38 The Money Belief Dilemma
01:34 Scarcity Mindset and Money Flow
02:43 The Importance of Savings Goals
07:46 Creating a Spending Plan
09:28 Container Theory and Money Management
11:35 Final Thoughts and Summary
13:10 Conclusion and Farewell
✨ Join Cashflow Confident → https://emilienutley.co.uk/cashflow-confident/
💌 Get my emails, Not Just Revenue → https://emilienutley.myflodesk.com/
Transforming Your Financial Approach: The Shift from Avoidance to Ownership
In this webinar replay, Emilie addresses common financial struggles of online business owners, focusing on the mindset shift from avoidance to ownership. She debunks myths around increasing prices and spending on ads, advocating for sustainable, scalable methods. Emilie emphasises the importance of understanding financial foundations, tracking income and expenses, and setting realistic revenue goals tailored to personal lifestyles. She shares client success stories, introduces her Overflow Formula™ for managing business finances, and details her program, Cashflow Confident, designed to help business owners take control of their finances, pay themselves consistently, and grow their businesses without financial stress.
00:00 Introduction and Agenda Overview
00:24 Common Misconceptions About Financial Growth
01:16 The Importance of Financial Foundations
02:04 Personal Financial Struggles and Realisations
08:20 The Shift from Avoidance to Ownership
17:42 Setting and Achieving Revenue Goals
23:48 Pricing Strategies for Business Success
30:40 Overcoming Pricing Fears
31:09 Understanding Client Accessibility
32:06 The Overflow Formula Explained
32:29 Cashflow Tracking and Management
34:33 Practical Bank Management Tips
35:17 The Importance of Financial Strategy
42:30 Introducing Cashflow Confident Program
44:45 Program Details and Benefits
49:30 Final Invitation and Q&A
✨ Join Cashflow Confident → https://emilienutley.co.uk/cashflow-confident/
💌 Get my emails, Not Just Revenue → https://emilienutley.myflodesk.com/
In this episode, Emilie emphasises the importance of addressing financial beliefs and fears, particularly how they stem from early childhood experiences and societal influences.
She explains that managing money isn't just about knowing the strategies but also shifting the underlying beliefs that drive financial behaviours.
Through a detailed explanation of neural pathways, Emilie illustrates how ingrained money beliefs can be reshaped with new experiences and evidence-based actions.
She stresses that effective money management skills are essential for fostering a positive money mindset and overcoming financial fears.
The episode concludes with an invitation to join her 'Cashflow Confident' program, aimed at helping individuals master both money management and mindset.
✨ Join Cashflow Confident → https://emilienutley.co.uk/cashflow-confident/
💌 Get my emails, Not Just Revenue → https://emilienutley.myflodesk.com/
In this episode of 'Fund Your Damn Life,' Emilie Nutley offers an in-depth breakdown of her Overflow Formula, a strategic financial management system designed for business owners.
Emilie addresses common questions, explaining the importance of regularly saving money to cover low sales months, pay off debt, and fund personal goals.
She compares her method to Profit First, highlighting why her approach is more practical for business owners who prefer simplicity and directness over micromanaging multiple bank accounts.
The episode underscores the necessity of tracking every business transaction to understand cash flow, debunks the myth of consistent monthly income in entrepreneurship, and emphasises the importance of building a financial cushion before paying off debt. Emilie also touches on the practical use of savings, advocating for a mindful approach to managing finances.
The episode is a call to action for business owners to become more financially literate, confident, and strategic, offering tools and support through her Cashflow Confident program.
✨ Join Cashflow Confident → https://emilienutley.co.uk/cashflow-confident/
💌 Get my emails, Not Just Revenue → https://emilienutley.myflodesk.com/
In this episode, Emilie Nutley walks viewers through the step-by-step process of using business revenue to fund a holiday without raising red flags with tax authorities.
She starts by calculating the holiday budget and emphasises the importance of having financial goals.
Emilie discusses two main strategies: saving a portion of her salary or utilising business overflow—the money remaining after all expenses, taxes, and owner’s pay are covered.
She highlights the significance of maintaining a healthy profit margin and making sure there's surplus cash (overflow) for unexpected costs or slower months.
Emilie also introduces the concept of trivial benefits for limited companies in the UK, allowing for tax-exempt vouchers that can aid in holiday funding.
She wraps up by encouraging listeners to align their financial strategies with their lifestyle goals, underscoring the importance of allowing oneself joy through strategic financial planning.
✨ Join Cashflow Confident → https://emilienutley.co.uk/cashflow-confident/
💌 Get my emails, Not Just Revenue → https://emilienutley.myflodesk.com/
In this episode, Emilie speaks candidly about the mindset and strategies around debt, specifically business debt but applicable to all kinds.
Emilie immediately dives into the topic of debt, emphasising that debt is a tool, not a moral failing. She uses her own experience to illustrate her points and demystify the shame often associated with owing money. Emilie explains the psychology behind debt, including the role of dopamine and scarcity mindset, and argues for shifting the focus from debt elimination to building savings first.
She shares personal anecdotes, like her challenges around food spending, and how addressing the root cause rather than the symptom led to better financial outcomes.
Emilie stresses the importance of creating a 'breathing fund' to cushion against financial stress and recommends focusing on savings instead of debt to break the cycle.
She concludes by teasing future episodes on leveraging business overflow and planning holidays using business funds.
✨ Join Cashflow Confident → https://emilienutley.co.uk/cashflow-confident/
💌 Get my emails, Not Just Revenue → https://emilienutley.myflodesk.com/
In this episode, Emilie Nutley tackles the crucial topic of paying yourself from your business. Emilie explains her 'overflow formula' and the 'three-account system' as foundational steps for financial stability.
She walks listeners through a detailed process of conducting a financial audit of personal and business expenses to determine a realistic owner's pay.
The discussion covers managing cash flow, prioritizing necessary and joyful spending to keep a healthy mindset, and leveraging AI tools for financial tracking—with caution.
Emilie underscores the importance of regular financial check-ins and offers insights from her 'Cashflow Confident' program, aimed at helping business owners implement effective money management systems.
This episode is filled with strategic advice and practical applications to help listeners navigate their finances confidently.
✨ Join Cashflow Confident → https://emilienutley.co.uk/cashflow-confident/
💌 Get my emails, Not Just Revenue → https://emilienutley.myflodesk.com/
In this episode, Emilie Nutley breaks down how business owners can manage their finances through a simplified one-bank-account system called the Overflow Formula.
Despite usually recommending the three-account method, Emilie shows how you can adapt it to one account by using digital spaces or pots provided by modern banks.
This system ensures all business income and expenses flow through one account, with separate allocations for taxes and overflow to manage excess funds. By setting a consistent payday and tracking a 'magic number' for expenses and salary, you can maintain financial stability even when your income varies.
Emilie critiques the popular Profit First method for being overly complicated with its five-account setup and highlights the importance of maintaining a sustainable mindset that's free from scarcity.
She also touches on real-life applications, offering practical steps and sharing client insights, while emphasizing that effective money management is about knowing and working towards your personal financial goals.
✨ Join Cashflow Confident → https://emilienutley.co.uk/cashflow-confident/
💌 Get my emails, Not Just Revenue → https://emilienutley.myflodesk.com/
In the kick-off episode of Fund the Damn Life, Emilie Nutley gets real with business owners about flipping the script. Ssing your business to fund the life you want, not the other way around.
She shares her no-BS advice on why paying yourself a consistent salary is non-negotiable, even if your income is all over the place.
Emilie talks about financial security, setting realistic goals, and avoiding the scarcity mindset that keeps you stuck.
She breaks down how to figure out your necessary expenses, track them, and reverse-engineer your sales to meet those goals.
Plus, she teases the next episode, where she'll share why you only need one bank account to manage your finances.
Get ready for some tough love and actionable tips to transform how you handle your business cash flow.
✨ Join Cashflow Confident → https://emilienutley.co.uk/cashflow-confident/
💌 Get my emails, Not Just Revenue → https://emilienutley.myflodesk.com/
