Welcome! I'm Michelle, a CPA & CEO of Elite Cash Flow™ Products, LLC. I’m offering the Elite Budget web app, and the MONEY collection of luxury Checkbook Registers. My work is built on a foundation of simplicity and effectiveness. I believe in the power of smart, intentional finance and record keeping. My mission is to elevate everyday money management through beautifully designed tools whether you're navigating the digital world or the pages of a luxury checkbook register. Digging Deeper into the products...... The Web App - A Modern, Trusted Approach to Budgeting. Log in from any device! Nothing to download. All you need is a web browser to log into the web app. Bye Bye spreadsheets! Elite Budget is a smart, reliable tool for anyone seeking a simplified approach to managing their cash flow. In an age of constant digital distractions, I’ve created a streamlined budget tool that simplifies the budget process. The web app combines the reliability of my proven financial strategies with the convenience of modern technology. This is my budget process and it works!  ​How does it work? -Start with the Essentials Input all of your income, monthly expenses, debt payments, retirement contributions, and savings goals. This forms the foundation of your monthly budget. -Review and Refine Once your budget is generated, review it carefully. Make any necessary adjustments to reflect your real financial picture and savings goals. Spend less than you make! A realistic budget allows you to pay your bills, save money (for emergencies and retirement) and allows you some wiggle room. -Automate the Core Automate the payments of your recurring expenses, debt payments, and savings transfers. This ensures bills are paid on time—no more late fees, missed payments, or guesswork. -Track What’s Left Because you have simplified your life by automating your recurring monthly expenses and savings, you can focus on ONE NUMBER. Use the Extra Funds Tracker to track your free cash (Income less budget=free cash). Whether it’s for surprise expenses, budget overruns, or the rare occasion a budget expense is less than you budgeted for, this tool allows you to track how much extra money you have to spend. -Stay Organized The Budget Checklist helps you make sure nothing is overlooked as you input your payments and savings into your checkbook register. After you enter it, you check it off the list! -Reconcile and Balance Finally, reconcile your bank accounts. Stay aligned, accurate, and fully in control of your cash flow. -Net Worth The app also tracks your Net Worth and benchmarks it against expected net worth figures based on your age and income—giving  you meaningful context, not just numbers. -Reports All reports are customizable and can be viewed by Self, Partner, Joint, or Family, so you can budget the way that fits your life. This is budgeting the way it was always meant to be: effective, organized, straightforward and a time saver! Now let me talk to those of us that prefer pen to paper to track our money...... Luxury Checkbook Registers-A Return to the Beautifully Practical. In a fast-paced digital world, there's something timeless about putting pen to paper. My luxury checkbook registers are crafted for those who appreciate fine materials, a luxurious design, and the quiet satisfaction of handwritten records. Each piece is thoughtfully produced—because even the smallest details of daily life deserve beauty and intention. These are not your average registers; they are a celebration of form, function and luxury, designed to elevate the everyday. Why We Do Both Because luxury is not just about indulgence—it’s about choice. Whether you prefer the speed of digital or the tactile ritual of writing, I believe your tools should reflect your standards. At Elite Cash Flow Products, I provide products designed to meet you where you are—with beauty, intention, and unparalleled function. Welcome to a smarter, more sophisticated way to manage your cash flow! Thanks for stopping by—I'm so glad you're here. Michelle CPA, CEO Elite Cash Flow™ Products, LLC