By taking responsibly and control of your money we can then establish where your money is spent and how we can integrate a surplus into your budget. By doing so we can reduce cashflow stress and start to feel more financially secure by building a stronger future. Cashflow can be broken down into two simple explanations, what financials are coming in compared to what expenses are going out? When it comes to cashflow the basic rule is spend less than you earn and it will create a surplus.