CashmereAcademy
Academy

Design Your Money Flow

Work out what comes in, what goes out and what is left each month, set three budgets that mean something, and write the rules you will run every month after the course ends.

Level
Foundation
Format
Instructor-led
Length
4 hours over 3 weeks, 7 lessons
Classes
3 live

Next class Starts Nov 7, 2026, 3 classes over 3 weeks, in the room and live online, Cashmere Studio, 71 Ayer Rajah Crescent

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What you will be able to do.

  • Savings rate
  • Spending classification
  • Category budgets
  • Contribution rules
  • Cash flow system
  1. 01calculate your monthly inflow, outflow, surplus and savings rate from your own records
  2. 02sort your spending into recurring, essential, discretionary and one-off
  3. 03set three category budgets and read the gap between each budget and the month
  4. 04choose a monthly contribution rule that reconciles to your surplus without counting anything twice
  5. 05write a cash flow system with thresholds, a review date and one corrective action

Module by module.

01

Where the Money Goes

Four figures for the month, each traced to a record, and every line of spending sorted into one of four kinds.

  1. Inflow, outflow, surplus, savings rateIn the room, 45 min
  2. Your transactions, recordedExercise, 30 min
  3. Four kinds of spendingSelf study, 30 min

02

Budgets That Hold

Three budgets set on the categories that move, and the gap between each and the month read as a figure rather than a feeling.

  1. A budget is a thresholdIn the room, 45 min
  2. Three budgets, setExercise, 30 min

03

Rules You Can Run

One contribution rule that reconciles to the surplus, and a system that says what gets reviewed, when, and what happens when a threshold is crossed.

  1. One contribution rule, counted onceIn the room, 45 min
  2. Your cash flow systemSelf study, 25 min

Ends in an assessment: 4 questions, pass mark 70%, 3 attempts.

Who it is for

  • Anyone whose pay arrives and leaves without them being able to say where it went.
  • Anyone who has set a budget before and stopped reading it by the third month.

What you need first

  • A Cashmere Pocket with at least one month of transactions in it. The exercises read them.
  • Recommended: PF101, Know Where You Stand.

Asked before enrolling.

Who is this course for?

Anyone with a salary and no plan for it yet. No finance background is assumed, and nothing in it depends on following the markets.

What do I need before I start?

A browser and a Cashmere Pocket. Every exercise is done in your own Pocket, on your own numbers, and the course checks your Pocket to confirm each exercise is done.

Are classes recorded?

No. Classes are taught live by a person. The slides stay in the portal to read back at any time, with the checkpoints under them.

What if I miss a class?

The deck and its checkpoints stay open, so you can catch up in your own time. Missing a class does not stop you from completing the course.

Is this financial advice?

No. The course teaches you how to think about money and read your own position. It never offers a view on what to buy.

What do I leave with?

A completion record naming the course version you were taught, which you can export. It is not an accredited qualification.

A cash flow system in your own numbers: a savings rate, three budgets, a contribution rule and a review date.

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