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      <image:title>Resources - Financial Stewardship: Biblical Wisdom For Your Bank Account</image:title>
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    <lastmod>2026-02-18</lastmod>
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      <image:title>Resources - Save money on groceries - Make it stand out</image:title>
      <image:caption>Watch here on KATU Afternoon Live!</image:caption>
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    <loc>https://nwmoneycoaching.com/blog/six-figure-income-stress</loc>
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    <lastmod>2026-01-28</lastmod>
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    <loc>https://nwmoneycoaching.com/blog/cash-flow-mistakes-self-employed-families-make</loc>
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    <lastmod>2026-01-14</lastmod>
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      <image:title>Resources - 7 Cash Flow Mistakes Self-Employed Families Make (And How to Fix Them)</image:title>
      <image:caption>Being self-employed is amazing. The freedom. The flexibility. Building something that's truly yours. But can I be honest with you for a second? Managing money when your income looks like a roller coaster? That part is hard. And if you're running a household on top of running a business... well, you already know. I've worked with so many self-employed families who are doing all the right things, hustling, growing, serving their clients well, but still feel like they're constantly playing catch-up with their cash. The money comes in, the money goes out, and somehow there's never quite enough cushion. Here's the thing: it's usually not about how much you're making. It's about a few sneaky mistakes that trip up even the smartest business owners. Let's talk about the seven most common cash flow mistakes I see self-employed families make, and more importantly, how to fix them.</image:caption>
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      <image:title>Resources - 7 Cash Flow Mistakes Self-Employed Families Make (And How to Fix Them) - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ea743e807910b40441c9ba1/1790b904-5b41-4aca-a01b-24bab0485451/getting+mail.webp</image:loc>
      <image:title>Resources - 7 Cash Flow Mistakes Self-Employed Families Make (And How to Fix Them) - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ea743e807910b40441c9ba1/e76b2bbb-054f-48d4-9deb-bb62d33f212f/money+jars.webp</image:loc>
      <image:title>Resources - 7 Cash Flow Mistakes Self-Employed Families Make (And How to Fix Them) - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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    <loc>https://nwmoneycoaching.com/blog/save-money-in-2026</loc>
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    <lastmod>2026-01-14</lastmod>
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      <image:title>Resources - Ways to save money in 2026 - Save Money in 2026 on Afternoon Live KATU News ABC</image:title>
      <image:caption>On January 8 2026, I had the privilege of making my first local TV appearance! In this segment, as a personal finance coach in Oregon, I discuss 6 ways to save money this year. Watch the full segment here</image:caption>
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    <loc>https://nwmoneycoaching.com/blog/birthday-freebies-pnw-version</loc>
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    <lastmod>2025-07-28</lastmod>
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      <image:title>Resources - Birthday Freebies (PNW version) - Make it stand out</image:title>
      <image:caption>Best practices: 1. Assume most freebies require apps these days. All of the above do, except for Pips 2. Don’t wait until the day of your birthday to download the apps. It could delay your reward by 1 day. Download them a couple weeks beforehand if you can. 3. Most of the above items are high in sugar. It’s an all-day sugar high on my birthday, I bring my kids with me and they think it’s the best thing ever. Do what’s right for you! 4. I did my best to update this list for 2025, but feel free to verify these before you embark on your birthday freebie adventure. Things like these are subject to change. It’s sure fun to cash in on these freebies! Want to splurge next year on your birthday? Work with a financial coach in Oregon to put a plan together for your money so you can save ahead for special occasions like birthdays or travel.</image:caption>
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    <loc>https://nwmoneycoaching.com/blog/how-to-prepare-your-finances-for-a-new-month</loc>
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    <lastmod>2025-07-16</lastmod>
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    <lastmod>2025-07-16</lastmod>
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    <lastmod>2025-07-16</lastmod>
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    <lastmod>2025-01-25</lastmod>
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    <lastmod>2025-05-15</lastmod>
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    <loc>https://nwmoneycoaching.com/blog/personal-financial-planning</loc>
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    <lastmod>2024-10-23</lastmod>
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      <image:title>Resources - Mastering Your Money in the Evergreen State: Personal Financial Planning in the Northwest. - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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    <loc>https://nwmoneycoaching.com/blog/questions-to-ask-your-cpa</loc>
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    <lastmod>2024-10-16</lastmod>
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    <loc>https://nwmoneycoaching.com/blog/case-study-starting-a-financial-coaching-business</loc>
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    <lastmod>2025-05-15</lastmod>
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    <lastmod>2025-05-15</lastmod>
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    <loc>https://nwmoneycoaching.com/blog/tag/food+budget</loc>
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    <loc>https://nwmoneycoaching.com/blog/tag/household+finances</loc>
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    <loc>https://nwmoneycoaching.com/home-2</loc>
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    <lastmod>2025-11-03</lastmod>
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      <image:title>Home - Hi, I’m Cortney Kaveh, and if you describe your finances as a “hot mess”, you’re in the right place. I am a YNAB Certified personal &amp; business financial coach who specializes in helping you create financial consistency despite fluctuating income &amp; expenses. If you’re a business owner, I can help you simulate a consistent paycheck from your business and put more money into your wallet from your business. Being a small business owner myself, I know the value in creating predictability where I can, and a big part of my job is helping you control your controllables so we can create a new routine for your money. If you’re ready to stop burying your head in the sand, I’m ready to help you make a plan and hold you accountable to that plan (that goes for non-business owners &amp; singles too!)</image:title>
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