Own less. Owe nothing.
Notes from the rebuild on getting to debt-free by owning less and spending less. What I'm cutting, what I'm selling, what's working, and what isn't.
How much sooner? The debt payoff sheet now answers the only question that matters
I rebuilt the free debt payoff planner. Four ways to order your debts, a real month-by-month schedule, and a compare table that shows exactly how many months an extra $50 or $100 buys you.
Read the post →How to Cancel Subscriptions and Save Money: The One-Hour Subscription Audit
The easiest money to find is in your bank statement. A one-hour plan to find every subscription you forgot about, cancel the ones you don't need, and keep them from coming back.
Read the post →Minimalism and Money: How Owning Less Leads to Financial Freedom
Minimalism isn't about white walls. It's about needing less money each month. Here's how owning less cuts your bills, kills debt, and gives you the freedom to choose.
Read the post →Debt Snowball vs. Debt Avalanche: Which One Should You Pick? (Simple Guide)
Debt snowball pays the smallest balance first. Debt avalanche pays the highest interest first. Here's the difference in plain words, and why I picked snowball.
Read the post →The 5-Minute Budget: A Simple Monthly Budget Anyone Can Stick With
Most budgets fail because they ask too much. This simple monthly budget takes five minutes, uses 16 numbers, and tells you what's really left over. Free sheet inside.
Read the post →How to Sell Your Stuff to Pay Off Debt (Why I'm Selling Almost Everything I Own)
Selling stuff you don't use is the fastest way to pay off debt. Here's my simple plan, the rules I follow, and why owning less matters more than the cash.
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