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"Never Run Out of Cash is a must-read and must-use for business owners, operators, and accountants.  As a former CFO and a business owner, I know how few people really understand how to project and manage cash.

Philip gets it.  And he explains it in a way you can use.

You will learn the important questions.  More importantly, you will learn how to answer them so that YOU never run out of cash.”

- Steve Koinis

“This powerful, practical book gives you the key to business success. You learn the most important lessons of all to become wealthy.”

- Brian Tracy, author


“This is a revolutionary money-management book.

Throw out all the other complicated methods of handling projections and financial strategizing – use Philip’s Peace of Mind schedule to get just that – Peace of Mind about your cash flow!”

Dr. Joe Vitale
Best-selling author of “Spiritual Marketing” and numerous other works.

"Philip Campbell's book shows you not only how to manage the dollars and cents of cash-flow, but also how to manage your attitude and beliefs about it.... something I've never seen anywhere else. If you want to learn how to finally solve your cash-flow problems - get this book now!"

Jim Edwards
Author, "Immediate Money Immediately"

I highly recommend that you follow Philip's step-by-step process. It was so easy to do.  It made all the difference for me.  Now I'm finally back to having fun growing my business."

Ricky Hux, Owner and President
Best Fit Solutions, LLC

“Never Run Out of Cash is a must read for anyone involved in business. Philip has written an easy-to-read guide with practical tips and strategies you can implement immediately.”

Jill Griffin, author, “Customer Loyalty: How to Earn It, How to Keep It”

“Never Run Out of Cash reveals a very simple but very real solution for properly managing your cash flow. You owe it to yourself and your business to read this book – now.”

Debra Benton, author, “Executive Charisma”




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Look Inside the Book

Why Is My Cash Flow Such A Mystery?

  Do you ever wonder what's really going on with the cash flow of your business? 

  Ever wonder why you are making a profit but you have a hard time paying all your bills?

  Do you ever worry whether you will be able to meet all the financial obligations you have?

You're not alone.

Despite the fact that cash is the lifeblood of the business, the fuel that keeps the engine running, most business owners don't really know what's going on with their most precious asset - their CASH.  

Your Financial Statements Don't Show
 the Complete Picture

The reason this problem is so widespread today is that each of us has been taught that managing the financial side of our business means having financial statements. We have all been taught that financial statements show us the complete view of the financial side of our business.

Well, the truth is they don't.

In fact, if you have no other tool for understanding and managing the cash flow of your business other than the basic financial statements, you will always feel out of control.

You will be flirting with disaster because you will be neglecting the lifeblood of your business – your cash.  

The Three Problems

The standard financial statements we all prepare (or get from our CPA or accountant) do a very, very poor job of helping us really track and manage the cash flow of our business.

There is no doubt the basic financial statements that every business must prepare are very useful; in fact they are a must. 

Banks require you to provide them.  Investors require you to provide them.  They are the common language of business.

The basic financial statements have three very significant shortcomings.


1. The income statement (profit and loss statement - or P&L) is solely focused on the concept of earnings.

The "bottom line" of the P&L is net income. And net income does not tell you what happened to your cash balance during the period. It merely defines net income based on the accounting rules used to create the P&L. 

The accounting rules that govern the creation of financial statements are not about tracking the actual flow of cash through your business. They were never meant to be the primary tool for managing the actual cash flow of a business.

To be sure, profit and loss is important to measure.

But what is even more important is to know and understand the actual cash flow of your business.

That's why a profit in your financial statements does not necessarily mean you created any cash during the period.

By the same token, a loss in your financial statements does not necessarily mean you lost any cash during the period.

Once you realize you cannot look at your financial statements and see a clear picture of your cash flow, you are on your way to a newfound understanding of your most precious asset – your CASH.


2. The financial statements are focused on the past.

The basic financial statements are always historical, meaning they present what happened in the past. It’s certainly important to know what happened in the past.

They are a bit like the rear view mirror in your automobile.

The rear view mirror is very helpful when you need to see what is behind you.  However, when you are driving down the highway, your focus needs to be on what’s in front of you.

An occasional glance in the rear view mirror is all that’s required.

You have to have a good clear view of what’s ahead of you in order to get where you are going safely.  Look in the rear view mirror for too long and you will soon be crashing into something in front of you.

It's the same with your cash flow.

You have to know what your cash flow was in prior months, you have to know what your cash flow (and your cash balance) is right now, and you have to know what you expect your cash flow (and your cash balance) to be over at least the next six months.


3. The so-called "cash flow statement" is seriously flawed.

Another reason the basic financial statements create confusion among business owners is the statement called the “Cash Flow Statement”. Its name suggests that it would be the perfect tool to use to manage your cash flow.

It’s not!

The basic problem with that schedule is the format and approach used to create it.  While there are two versions of the statement, the one most commonly used basically “backs into” the change in the cash balance during the period being presented. 

It takes net income as reported on the income statement and then computes changes in a number of balance sheet accounts, together with other investing and financing activities, to arrive at the change in the cash balance for the period.

I heard it described recently by an MBA student.

I was standing in line with a young lady at a seminar.  She told me she had just completed her last accounting course as part of her MBA program.

I began talking about how Cash Is King and how it’s so important in business to make sure you have your cash flow under control (I couldn’t pass up the opportunity to help her get off to a good start!)

She said, “Yea, in the last part of the course we learned about the cash flow statement.  That was hard.  It’s like working backwards.

What a perfect description.  That’s why it is not the right tool for cash flow projections.  It is formatted to work backward from net income to the change in the cash balance.

You pretty much need a degree in accounting to make any sense out of that schedule.

Abraham Maslow had a great saying that speaks to this issue.

“When all you have is a hammer, everything
 starts to look like a nail.”

- Abraham Maslow

A hammer is a very useful tool when you need to drive nails. When you need to cut a board though, the hammer is not the proper tool.

If you work long enough and hard enough, you might be able to break the board with the hammer. The problem is you will have a splintered board. You will have done something worse than if you had never used the hammer on it at all.

It’s the same way with the cash flow statement that is a part of the basic financial statements. Don’t try to use it as a tool for managing your cash flow.

That’s not what it was designed to do.

There Is a Better Way

I created the Peace of Mind schedule to give you a crystal clear view into your true cash flow. This is the secret to solving the cash flow mystery in your business.

The book Never Run Out of Cash and the audio CD program are dedicated to helping you put the Peace of Mind schedule to work in your business. You will be amazed how this schedule will free you from worrying about your cash flow.

And the best part of all - you can download the Excel spreadsheet version of the Peace of Mind schedule – FREE with your purchase of the book or the audio CD program

This will save you the time and effort of creating the schedule from scratch. You can also provide the schedule to your accountant or CPA if you will have them do the work for you.

It’s very easy to use and extremely powerful in providing you amazing insight into your financial future.

I would never attempt to run a business without it.

Take Control of Your Cash Flow

You will be amazed at how much easier it is to manage your business each day when you can see exactly what’s going on with your cash flow.

It’s the single most important step you can take to help make sure you never become another small business failure statistic.

Make a commitment to yourself now to take control of the cash flow of your business.


Now Software Creates the Peace of Mind Schedule

New. Now the Peace of Mind schedule has been automated. And not only that, it has been built into what I believe is the most powerful financial analysis and improvement software available on the market. This software has been five years in the making. And it was worth the wait.

I use it everyday now to help business owners make more money and put more cash in the bank. I know that sounds like a very strong statement. But it is true. It has incredibly strong graphing and dashboard features so trends and problems literally jump off the screen at you. You have to see it to believe it. It makes increasing profitability and cash flow so much easier.

Now you can use the spreadsheet version of the Peace of Mind schedule I teach in my book Never Run Out of Cash or you can simply import your financial statements into SurvivalWare and it automatically creates the Peace of Mind schedule for you. It has the Peace of Mind schedule built right into it.

Creating cash flow projections you can trust is fast and easy now.

Click here to learn more about SurvivalWare





 Are You Breaking Any of these 10 Cash Flow Rules?

The time you spend listening to this brand new audio CD will put cold, hard cash in your bank account. This is THE audio program every business owner and entrepreneur wants. It provides the understanding of your cash flow your accountant or CPA has been unable to provide to you.

You learn the keys to taking control of your cash flow. More importantly, you learn how to create Peace of Mind knowing you finally have the cash flow of your business under control. You will be amazed how much better you will feel after you discover the 10 Cash Flow Rules.

It's available right now. Click here to get your copy RIGHT NOW.

You can take control of your cash flow in your car, on an airplane, while you're exercising! (How cool is that!!)


A Money Back Guarantee That
 Eliminates Your Risk.

Guarantee: All our products come with a RISK FREE, no-questions asked, 90 day money back guarantee. If for any reason, or at any time within 90 days of purchase, you decide this information isn’t right for you, I'll refund 100% of your purchase price.

All the risk is on me!  These products deliver value to you or you get your money back - 100% guaranteed.

I'm that confident they will transform the way you manage your business.


for ONLY $16.95
(or ONLY $14.95 for the eBook version)

The Audio CD is ONLY $19.95


Call 1 800 247 6553 to order by phone.
(we are available 24 hours a day, 7 days a week)


Never Run Out of Cash is a 216 page soft cover book (with an eBook edition also available) dedicated to helping you eliminate your cash flow worries and take control of your business.

Click Here
 to get it NOW.


New! Want to learn the secret to eliminating your cash flow worries and taking control of your business?

Click here to check out this brand new web-based video presentation. It reveals the biggest mistake business owners make with their cash flow.

This one secret can put you on your way to taking control of your cash flow.

Click here right now to learn the cash flow secrets in this web-based audio and video presentation.



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