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Tom Durand Fiduciary Services Services Cash Flow & Debt Management

Cash Flow & Debt Management

Build a pay-yourself-first system, tame expenses, and eliminate debt with a plan you’ll actually follow.

Control the inflows, direct the outflows

We design a simple, automated cash system that prioritizes savings, stabilizes monthly bills, and accelerates debt payoff—without spreadsheets ruling your life.

Together we’ll align income timing, essential spending, sinking funds, and debt strategies so cash always has a job and progress is measurable.

Cash Flow & Debt Management

Cash-flow method & strategy

Map → Automate → Optimize → Review. We set up pay-yourself-first transfers, consolidate due dates, and choose the right debt payoff method (avalanche or snowball). The system is built to survive real life—variable income, seasons, and surprise expenses.

01

Diagnose

Income timing, fixed/variable spend, debts, and fees & interest.
02

Design

Account structure, automations, debt strategy, and buffers.
03

Implement

Auto-transfers, due-date moves, payment rules, and check-ins.

What’s included

  • Pay-yourself-first setup: automated transfers for savings, investing, and bills.
  • Debt elimination plan (avalanche/snowball), with refinance/consolidation review.
  • Emergency fund sizing & sinking funds (annual/irregular costs).
  • Bill calendar & due-date alignment to paycheck cycles; late-fee elimination.
  • Credit score & DTI improvement plan; utilization and limit strategy.

How the system works day-to-day

Core bills and savings are auto-drafted right after payday. Variable spending flows to a dedicated “spend” account; when it’s empty, you’re done for the period. Sinking funds catch known but irregular costs (travel, gifts, maintenance) so they never become “emergencies.”

  • Three-account setup: Income hub → Bills & savings → Spend account.
  • Rules: 24–48h buffer after payday, then transfers; no manual tinkering mid-cycle.
  • Signals: traffic-light categories highlight overspend and quick wins.

Debt strategy & trade-offs

We choose avalanche (highest APR first) for math-optimal results, or snowball (smallest balance first) for motivation—sometimes a hybrid. We also weigh prepaying debt vs. investing, based on rate, risk, and your time horizon.

  • Refi / consolidation: evaluate term, fees, and flexibility (prepayment, hardship).
  • Student loans: repayment plan selection, refinancing windows, and forgiveness rules (as applicable).
  • Mortgage: recast vs. refinance vs. targeted prepayments without starving savings.

Common modules

Variable-income design

Revenue smoothing, baseline pay, and quarterly true-ups for bonuses/commissions.

Expense calibration

Identify the 3–5 biggest levers; renegotiate, replace, or remove subscriptions.

Cash safety net

Emergency fund tiers; where to park cash for yield without losing access.

Behavioral guardrails

Spending triggers, “cool-off” rules, and tiny default frictions that add up.

What we need from you

  • Statements: last 2–3 months of bank/credit card and all debt accounts (rates, minimums, terms).
  • Income detail: pay schedule, bonuses/commissions, and benefits deductions.
  • Priorities: debt-free date, emergency-fund target, and any upcoming large purchases.

Who this is ideal for

Anyone who wants a simple, automated system that steadily grows savings and pays off debt—especially helpful for variable earners and busy families.

Review cadence

Monthly 20-minute check-ins the first quarter, then quarterly; ad-hoc if income or bills change.

Getting started

Book an introductory call. We’ll confirm scope, deliverables, timelines, and fees—then kick off by mapping cash flow and setting up automations within two weeks.