About Cash Flow Cents
and Us

Cash Flow Cents is about all of us.

You got a dream!

I got knowledge, education, experience and skills.  I love math, puzzles, money, small business and technology.

But it's not about me. It's about you...

Your good friends. Family. Spouse. Children.  Grandchildren and great-grands. And the generations waiting to bless our world with their precious awesome-ness.

How can I help you?

Keeping It Real

I'm no different than you.

Full disclosure:

Quite frankly, I've made so many money mistakes.

Spent my paycheck, mentally, before I'd received it. Accumulated debt - medical bills, payday loans, membership fees... My credit score dropped off the cliff. I'd joined debt repayment and credit repair programs, just to quit before the year was out.

But I've also accomplished some great things financially.

Raked in 401k. Earned dividends from growing stock investments.

Accumulated a decent amount of potential social security that I hope to receive when I reach walking dead status... Due to the many years of giving away my employee services to build other people's businesses.

You may relate to my personal experience with money... The ups and downs.  The learning curve, literally.

My Fight to Clean Up
What I'd Messed Up

I got straight-up tired of instability.

Been there?

I became determined to make a change. I thought about how to gain knowledge:

1. That I could access to change my current financial situation, and
2. That I could offer to help others get better, too.

So, there I was at the local college signing up with all the babies... Spoken with love and respect. It's just that I was getting on up there.

But in my heart. And in my mind. It is never too late!

So, I jumped in deep water. (God bless my heart.)

And powered through Accounting & Finance! Together.

Fast Forward Over 10 Years

I am super happy with my progress. I get it.

Accounting is the language of business. Finance is that sidestep into financial analysis, investment vehicles, and big picture strategic thinking. And all of it can be applied to both personal and business finances.

Academically, I've obtained a(n) A.A.S. in Accounting; B.S. in Accounting & Finance; M.B.A. in Accounting. I'm grabbing a 2nd M.B.A. in Finance to smooth out the knowledge. Plus, I'm just nerdy like that.

I've become a QuickBooks Online Advanced Certified ProAdvisor. And have worked with countless clients to heal their financials using QuickBooks Online and connected apps. I am also an Intuit Certified Bookkeeping Professional.

Professionally. I've gained over 10 years of experience improving personal and business financials.  I have set up, entered and managed financial data in accounting systems; Built budgets and forecasts; Analyzed data and financial statements; Advised others regarding best practices and better financial decisions.

Why does this matter?

It means, I am in a unique position of financial education to truly help you.

So, again I ask...

How Can I Help
YOU?

I'm not just building websites. Writing information just to earn money from product sales. Promoting affiliate links. Trying to make a million through deceit.

I absolutely LOVE what I do!

I am so grateful for this career. I wake up with joy. My day is filled with peace. The sun is shining. The birds are chirping.

Because I have channeled my inner chi...

And all is well with the wonderful world...

Amen?

Since I am all about cash flow cents, I am feeling a sincere desire on my own journey...

To empower YOU - and others like you - to take control of your financial destiny.

To realize Your Money Superpower!

Brain Flash:
Thinking About Cash Flow Cents Irony

It's ironic now to reminisce about how much I hated talking. But was still called on jobs to train other people.

It never failed.

Whenever they hired a new person, I would hear them say, "We're gonna have you sit with Lavella today and just watch. Tomorrow, you'll do some work alongside her, as she coaches you through it. Then, on day three, you'll do it by yourself. If you have any questions, ask Lavella."

I'm like, "Oh gosh." I hated it!

(Cringe and slide deep into my cubicle.)

I really just wanted to be left alone. Inside of my quiet, warm cubicle (with one chair only). Typing on my friendly computer.

But as I am, let's just call it...

Maturing...

I realize...

I'm good at it. I have lots of information to share. I go into detail. I will teach the same concept 3 different ways until the person gets it.

And even though I used to hate it. People wanted to hear my voice. They wanted to know what I thought. And they wanted to understand how I operate.

The person I'd taught would always thank me and say, "I get it now. You're a great teacher. If I have any questions, I'm gonna come back to you. And if I have any computer problems, I may be back, too."

Funny enough. Fast forward 10 years, and The Ambivert has come out to play.

I chit-chat everywhere. No cares in the world. When I walk into a room, I'm smiling and ready to mingle. If there's a mic and a stage, I get up to entertain. And dance like no one's looking.

Ambiverts Unite!

Who knew?!

A Calling to Make Change

Initially, a love for math, money and small business led me up my current path.  And it was the best thing I ever did!

I had envisioned that midway through my journey I'd be able to help people. I desperately wanted to. But I didn't know how it was possible. I just wasn't that person... At the time.

But God's will has manifested. He really does have the final say. It's not even about me.

Now We Meet

My friend...

Here's a secret THEY don't want you to know. (BTW, I was P'd off - with a capital P -when I first heard this!)

Do you know that financial education was removed from grade school curriculum? Because there were wealthy people at the top? (I'm not sayin' no names!) Who did not want the world to understand how to reach the top 1%?

Yes. They took financial education out of the system. And pushed education that would lead you down a "traditional" path...

1. Go to college (which is big business and revenue for the institution)...
2. Get a good Just-Over-Broke (which builds someone else's business and makes them even more rich)...
3. And remain financially insecure. So, you'll work overtime, even during retirement (which could allow the government to recollect some of your social security through taxes, if you mistakenly step over income bounds)...

Following the "traditional" route, someone is always out to get YOUR money!

But I mean, if you think about it, though. What they'd concocted is a smart game plan. For those at the top.

But what about us?!

Now, It's All About You

I remember reading the book "Rich Dad, Poor Dad," when I was younger.

It lit a spark in me. That I Can Do This!

Robert Kyosaki said, "If you want to be wealthy, you must get a financial education."

I was sooo excited!  Nothing was going to keep me from achieving this goal.

But although the book is an easy read, with actionable advice, the information went over my head - because I didn't already have a solid financial education.

I ended up sitting the book in my bookcase. For years.

Feeling inspired!...

Amped to take action and realize my dreams!...

But unable to put the puzzle together. ???

I don't want this to be you.

If you really want to know about Cash Flow Cents, understand...

When I sit down to create content, I think about the types of information that can...

Change Your Life!

I think about the kind of knowledge that you can begin using NOW. In easy-to-digest Action Steps. That are simple to adopt and follow.

Most importantly, I think about the proven wisdom that can help you...

Achieve your financial goals. Small business goals. And life goals.

So...

How can I help you?

Enjoy Your Journey to Success!

Lavella C. Owens/Boswell, MBA²

Try searching for personal cash flow, budget money, or financial freedom!