Divine Money University 101

Money Management for the Creative Entrepreneur | taught by Beth Ann McMerrick

Course description

Welcome to Divine Money University (DMU)! This is a Money Mastery program written and created for you, the creative entrepreneur, and aspiring entrepreneurs like you, who want more time for life and a money relationship that provides financial independence and peace of mind.

DMU provides you with the essential skills and tools necessary to master your money and find more joy in the day-to-day.

  • Organize and easily manage your finances so you can focus on your business
  • Make a profit in your business by knowing exactly how to set your prices
  • Maximize your tax deductions

Most importantly, DMU weaves together the two most important elements in mastering your money: Money Tools/Mechanics and Money Mindset/Beliefs.

In my career as an accountant for over 23 years, I have learned the one element that really makes or breaks a business and that is cash flow. Money is always moving and the goal is to have more money coming in then going out.

Divine Money University, coupled with your committed action, is a proven program and process of manifestation and personal financial success. It provides the personal satisfaction of living life on your own terms, and it affords you the opportunity to create a thriving, healthy, and sustainable business.

Money gives you the opportunity to empower others and yourself. The more you work in your passions, the more this planet will heal overall. This is a global issue, not just an individual issue. As you make money you heal the world.

DMU provides basic, vital accounting information and money tools to set up a simple document management system. This is a practical and spiritual strategy for tracking, forecasting, and manifesting a financially successful business.

Create wholeness in your heart and soul while making money and bring more divine light into the world through your business passion and service.


The Benefits of Divine Money University 101:

  • Create a powerful money management system that is clear, simple, and easy to use.
  • Feel more confident in your ability to create and manage more money and give yourself more certainty in your business.
  • Utilize and receive over 21 forms, worksheets, and checklists that can be used year after year, and are personalized to your business to make your accounting clear and powerful.
  • See the possibility of making more money and know the steps to manifest that divine abundance.
  • Create a financial plan for success with clarity and heart.
  • Learn new manifesting tools that clarify your visions and provide techniques to increase your profits and income.
  • Discover your spiritual path in your finances, connect to your inner moneymaker, and align with the divinity of your money.
  • Put yourself in charge of your cash flow, rather than your cash flow controlling you, and enjoy receiving money.
  • Stop leaking money and strategize to build a savings while still paying your bills.
  • Learn the basics of business formation and critical accounting decisions to be made for your business.
  • Create a successful business with more freedoms: your hours, your rules, your dress code.
  • Teach your children how to manage their money and build a business of their dreams.





Money Mastery Kit Contents

Your Money Mastery Kit comes in both electronic and hard copy form. You will receive a three-ring binder that includes information and Money Mastery Worksheets to set up a simple financial document management system, as well as tracking, forecasting, and planning for your home and business. This, along with your committed action, will transform your money reality.

In each section of your Money Mastery Kit you will find forms, checklists, instructions, examples, and wealth-building information. Each section is a space to hold all of your financial data and information. Your goals, visions, and working paperwork can be in one place for easy access.

You will receive a Writable PDF version of each form and an Excel version of some of them. You can customize these to you and your business and use them year after year.

You will also receive additional bonus worksheets and Divine Money Tips to add to your kit through-out your training. The kit will be mailed to you within the first week of the course. You can start the first week of DMU 101 just as soon as you are registered.

The Money Mastery Kit includes 9 Sections:

  • 1 — Saving and Investing
  • 2 — Cash Flow Tracking
  • 3 — Accounts Payable (A/P)
  • 4 — Products and Pricing
  • 5 — Business and Personal Details
  • 6 — Money Date Activities/Money Mastery Education
  • 7 — Assets and Accounts Receivable (A/R)
  • 8 — Debt Release
  • Bonus — Money Belief Transformation

Two Pocket Folders Include:

  • Entered and Ready To Pay – store documents that you have entered into your tracking system and are ready to pay
  • New Items – store new mail and documents that will be reviewed on your Money Date


Sixteen-Weeks to Revitalize, Balance, and Empower Your Money Relationship


  • Module 1: Discover and Recover: Awareness and Clarity - DMU Week 1,2, and 3

Get crystal clear regarding where you are now and where you want to be financially. Discover exactly what it takes to financially support your home and business. Uncover your “operating system”: the belief system that is controlling the flow of money in your life.


  • Week 1: Create a Business with Passion, Vision, and Goals

You have an idea for a business, now what? Knowing what you want in business and what lifestyle you want is essential to your success. Get clear on your business and personal growth goals. What are the essential questions to answer for yourself to make your dreams a reality? How do I decide what business idea or opportunity to take?

  • Week 2: Get Ready for your Money Date

Why do we need an accounting system anyway? Learn how to organize your receipts and files simply and professionally. Clearly know how your accounting system supports the growth of your business and why it is so important. You will know exactly where to start and how to make your money management system work for you.

  • Week 3: New Business Checklist and Information

Do you know what all the tax requirements of a business are? Learn what gets to be setup in your business for State and Federal tax purposes. Learn how to organize important information to save you time and money. Ground your business and claim your space.


  • Module 2: Build a New Operating System: New Action for New Results - DMU Week 4,5, and 6

Put your financial life where you want it to be. Learn and sharpen your financial skills and knowledge. Create a workable and livable financial plan to release debt, build savings, and increase your confidence with your money decisions and conversations.


  • Week 4: Current Monthly Payments and Income

Do you run a list of “things to pay” in your head? How is that list getting in your way? Gain clarity regarding your monthly payments and income to bring power to your cash flow. Have a checklist of “what to do’s” in your business finance management system. Avoid one of the most common mistakes made and save yourself precious tax dollars.

  • Week 5: BE Financially Successful

Do you sometimes question your abilities, ideas, and decisions? Connect with your money beliefs. Create a strategy to overcome negative self-talk and self-sabotaging behaviors so you can clear the belief ground and plant new successful money making trees.

  • Week 6: Money Tracking and Recording

So what can you write off in business? And what is the best way to keep track of write offs? Learn the top business expenses and make sure you’re not missing any. Learn how to record income and expenses properly so you can easily be ready for year-end tax preparation.


  • Module 3: Financial Foundation: Creating A Space for Money - DMU Week 7,8, 9, and 10

Build a simple yet powerful financial and belief system that supports you, your home, and your business. Take your financial life where you want it. Unclutter your money environment and watch your bank account grow and thrive.


  • Week 7: Money Making Ideas that Grow Your Business Exponentially

Do you question your ideas? Do you ever feel overwhelmed by the steps of what to do next? The first step to actual manifestation is in putting pen to paper. List all your money making ideas and empowering details to bring your dreams to life. You will learn to create a profitable strategy for your new products, services, and events.

  • Week 8: Product Profit Plan and Develop

What kind of profit do you want to make? The top financial mistake is under-estimating the cost of business and product production, which results in poor pricing. Preplan and address your expenses before you set your prices thus reduce the unknown costs that can creep in. Create product profit rather than loss with discernment and sound judgment.

  • Week 9: Marketing Strategies and Quick Tips

Are you overwhelmed with the on-line marketing decisions to make? What is the best strategy for your business? Marketing is like a heartbeat the pumps the cash into your business. Make the most of your marketing budget and have a clear strategy to target your messages.

  • Week 10: The Joy of Saving

How do you set your money intentions? Are you holding onto guilt, shame, or fear around money? Recording your money intentions gives your money purpose and a reason to come in. Receive in gratitude and enjoy the financial abundance the universe has to offer. Set your belief and trust level that all things will manifest with divine timing.



  • Module 4: Infinite Cash Flow Creation: Have a Money Management System that Flows - DMU Week 11,12, and 13

Use an accounting system that is clear, receptive, and flows. The DMU system gives you the information to create profitable business/tax strategies. Look at your products and services for financial success and live your passion and dreams by monetizing your gifts, talents, and life experiences.


  • Week 11: Cash Flow Plan and Budgets

Put all your numbers together to create the most powerful, livable, limitless budget, and cash flow plan for you and your business.

  • Week 12: Profitable Money Conversations

Do you feel uncomfortable talking about money? Do you really know the value of what you are providing? Empower your more difficult money conversations so you can feel more confident and comfortable. Learn money-healing practices and bring financial divinity to your business. Know your value so you can properly evaluate what you are bringing to the table.

  • Week 13: Debt Release Plan and Cash Flow Tips

What is the best way to get out of and release debt? Know the difference between good debt and bad debt. Understand non-judgment of your financial path and how it affects your cash flow. Create a strategy to pay off your debt — one that supports you, not cripples you.



  • Module 5: Lifetime Money Transformation: Ground, Embody, and Receive It Every Day - DMU Week 14, 15, and 16

Creating true financial abundance for your life is about creating a new relationship with money. Money cycles and flows continually; it never stops moving, and it never sleeps. Mastering your money will transform your life and create an infinite inflow of money. Live the lifestyle you want and BE financially prepared for your future.


  • Week 14: How to Pay Yourself in Business

Learn how to pay yourself in business. Yes, it is possible. Understand the most common business financials and what makes them so useful for the longtime success of your business. Have peace of mind, knowing that you have a clear plan of what your basic tax filing responsibilities are.

  • Week 15: All about Assets

I hear it all the time “I want to have something to show for it!” You know, something to show for all your hard work. These results are your assets and business growth. Learn how to make the most of your assets when it comes to tax time and how to maximize your deductions.

  • Week 16: Create Lasting Money Transformation

We start our businesses to create money to care for our personal needs and support our families. How do we keep money flowing our way year after year? Care for your money, as it is the lifeblood of your business. In gratitude and love, you can live now and BE ready for your future.





Online Course Schedule

Your Divine Money University 101 is a sixteen-week on-line program that includes amazing Money Mastery teaching of practical money principals, proven accounting strategies, manifesting tools, videos, examples, and much, much more. Each week you will have access to a new powerful Money Mastery course accompanied by downloadable forms and instructions.

At the end of your sixteen-week course, you will have access to all course information and worksheets for as long as you would like. Which means you will have access to updated forms and class information as provided indefinitely.

To further support your money journey, once per month, I host a Money Mastery Q&A call. You are invited and encouraged to ask questions regarding the Money Mastery Kit, money tips, or any other accounting questions. This group, monthly, 60-minute call will be recorded and available to download. You have access to participate in these calls for up to one year(12) from your enrollment date.

If you are unable to attend the call, simply email your questions to me at BethAnnIAm@DivineMoneyUniversity.com and I will answer them on the call for you to listen to later.



Money Mastery Investment

Full Value of Divine Money University 101 is $10,000.00

During this program, you will make both a Time and Money Investment:

Time Investment: To make the very most of this program, schedule at least two — three hours per week for each new class to watch videos, listen to course training, complete your mastery worksheets, and read your money information and education material.

Financial Investment: $1,543.21. Paid in full option or $1,600.00 payment option with four monthly payments of $400.00 and automatically deducted.

Production/BetaLaunch Investment: $743.21 available for 50 Students ONLY. Paid in full option or $783.20 payment option with four monthly payments of $195.80 automatically deducted.




Money Mastery Guarantee

I personally guarantee your satisfaction with the Money Mastery program. If you have completed all sixteen classes and homework assignments, but you do not feel a change in your money skills and relationship, I will be happy to reimburse you for your full investment. After you return the Money Mastery Kit with completed worksheets your refund will be processed immediately.


Limitation of Liability Statement

Beth Ann McMerrick, Divine Money Mastery, Inc. and Accounting Cents Inc. as a whole is not licensed as a CPA. Under no circumstance does Beth Ann McMerrick claim that she is a Certified Public Accountant.

All executive accounting decisions are the sole authority of purchaser. The purchaser is responsible for his/her own decisions, actions, and results as it pertains to the training and suggestions given in this course.

As each individual has specific financial situations, it is advised to consult a professional CPA, Accountant, and/or Lawyer regarding any personal and business specific financial questions or concerns.

Divine Money University is not an accredit University. Blessed by Divine and a lifetime of accounting and management experience, education, and training.

Beth Ann McMerrick
Beth Ann McMerrick
Holistic Financial Mentor and Trusted Accountant

Beth Ann McMerrick is a holistic financial mentor, money goddess, international speaker, author, and trusted accountant.

She is the Founder and CEO of Divine Money Mastery Inc. and Accounting Cents Inc. celebrating over eight years in business and the author of the Divine Money Goddess Oracle Cards.

With over 23 years of accounting and business management experience, she teaches others how to master their money and finances, both for their home and businesses, resulting in increased cash flow, confident and solid financial foundations, and more money in their bank accounts.

Beth Ann specializes in creating and building solid financial foundations, combining spirituality and business sense. Your financial foundation includes mathematical tools, personal financial beliefs, balanced cash flow, and continued forward movement.

In creating your financial foundation, Beth Ann uses a balance of practical money principals and proven accounting tools. She also provides tools and systems to assist individuals to:

  • Sharpen their financial skills and knowledge.
  • Increase confidence relating to money decisions and conversations.
  • Remove doubt, guilt, and fear around money and money activities.
  • Create a simple money management system that is both profitable and clear.

Beth Ann’s accounting experience includes working in several industries, including those engaged with coaching, health and wellness, retail sales, tax returns, and construction. The companies have ranged from small, single-person to multi-million dollar corporations.

She has also served in many business supervisory and management positions and has experience as a corporate controller and financial auditor.

My specialty in business has been cleaning up and putting business financial systems back together and creating a system for my client. The system would include a strategic way of collecting information and presenting it that provides accurate, valuable, and useful information for the business owner.

While auditing and reconstructing these systems, I found so many simple bookkeeping and accounting errors, and simply not understanding the profitable steps to money management. These easy-to-fix problems resulted in companies losing hundreds of thousands of dollars, as well as countless businesses failing, and the perpetual poverty mindset of their owners.

Course Curriculum

Week 14: How to Pay Yourself in Business and Investments
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