Budget and Pay Off Debt

Money isn’t meant to cause stress 👉 debt doesn’t have to be normal

Debt sucks.

You’re broke, your paychecks don’t last long enough and you don’t even know where to begin to fix the problem. Follow the exact steps I took to pay off over $46k of debt in 20 months and that I teach clients today. By following each lesson in this course you will have the exact roadmap to tackle your debt, spend more freely and reduce your stress around money!

Have you ever wanted to:

✅ have leftover money after the bills

✅ comfortably afford life

✅ stop worrying about never having enough money

✅ not question every purchase

✅ stop missing out on things because you don’t have enough money

✅ break the cycle on your debt

✅ stop debt collector from calls

✅ stop working extra side-jobs just to make debt payments

✅ avoid over draft fees 

✅ stop feeling guilty when buying nice things

✅ work with someone that is NOT wasting your time

✅ be debt free

Life is meant to be explored in the woods or spent enjoying a sunny day on a patio with friends!

And just because your friends and family are in debt doesn’t mean it has to be your destiny.

You’re meant for something greater!

 The Ditch Debt Bundle

Your roadmap to eliminating debt while getting a working budget to do more of the fun parts of life.

JOIN TODAY AND HERE’S WHAT I PROMISE YOU

  • Stress-free Detailed Roadmap

    Each lesson builds on the last and is designed to take you from hating debt to becoming debt free!

  • All The Tools

    You’ll have access to all my spreadsheets and trackers as well as insight on my favorite apps to make things easy.

  • Clear Tasks

    You’ll have clear, specific tasks to implement to take your finances to the next level!

  • Clarified Spending

    No longer wonder if you have money for a vacation. You’ll learn how to decide how much money you need to save in all your areas of spending.

  • Tips for Healthy Conversations

    Money can be a really difficult conversation in a relationship. Learn the different ways to not only share money but talk about money with those you love most.

  • Debt Free Date

    Know exactly when you will be debt free and how much you need to pay per month to get you there.

I know how you’re feeling, I’ve been there!

❌ Stress that they won’t be able to make payments or that their accounts will go negative

❌ Overwhelm from the amount of debt they have

❌ Helplessness because they have no background knowledge on personal finance and they don’t know how to change their situation

❌ Embarrassed by the amount of debt they have

❌ Worry that their debt won’t ever go away and worry about how to pay for future expenses

❌ Guilt when going on vacation or excessive spending when they still have debt

❌ Exhaustion trying to keep up with the rate of their spending and the amount of debt they have accrued

Learn how to be 👇

  • Secure in your decision-making around money 

  • Impressed by the amount of money you’ll have in the bank 

  • Empowered in knowing how and when you’ll become debt free

  • Confident with money, going from avoiding and squirming at the thought of your finances to being fully in control and confident in managing it

  • Excited to have more money to spend on their passions

  • Surprised how easy it all is

  • Sarita

    With two months of serious budgeting I paid off one credit card, two debts and my credit score went up 64 points and is now 644. Thank you so much!! Working with you has helped me with looking at my money and being more thoughtful with it. I appreciate you and this class more than you know!

  • Iman + Family

    We've paid off $1500 in credit card debt in just 3 months, without making more money. All this because you helped me look at my situation clearly- without the shame and despair that I was used to feeling. You gave us the concrete tools to plan, to set goals, and to see them executed.

  • Jeff + Alicia

    We’ve always considered ourselves to be on a “budget” but never incorporated a plan for the future. After just the first meeting with Kelly, we were hit with the reality of where are money really is going, and that our plan may be paying the bills, but it isn’t protecting our future.

D.E.S.I.G.N. Your Life We have the power to create a life that includes everything that makes us happy. By being intentional in this phase you can reach your goals while enjoying the present.

 Pay off D.E.B.T. Paying off debt doesn’t happen by accident. Once we understand the debt we have and the amount we owe, we can a create a plan that helps us pay off debt within a timeframe that works for our lives and our income.

Know Your W.O.R.T.H. Learn how to change what you believe to be true about money, so that you can create space for forgiveness of past mistakes, understand that money is a source for good and use it as a tool to manifest your dream life.

 S.H.A.R.E. Money with a Spouse Learn how to open up and communicate goals and desires with a partner where both people feel heard and happy with how money is managed and spent.

Why this course?

📣 Tried and tested roadmap proven to eliminate debt and reduce financial stress

📣 Only 7 steps to create a budget that is simplified and personalized

📣 Structured work focused in four proven areas to better manage your money; budgeting, debt, managing with a partner and internal mindset

📣 I’ll give you all the tools you'll ever need to be successful

📣You’ll incorporate spending on the things you love most while getting out of debt

📣 You’ll get a roadmap to debt freedom with monthly debt payments you can financially afford

📣 Tools offered to help you identify spending patterns, manage bills, create a budget, track your spending, calculate net-worth, simply large expenses, record debt payments and layout goals.

📣 Video tutorials to make lessons super easy to understand and act on

📣 This is a step by step proven process that will get you from confused and stressed out by your money to paying off debt and building wealth.

📣 You’ll receive a roadmap for clear direction where to begin and what to do next with exact action steps

Overwhelmed? Don’t be!

✨I’ll prove that anyone can pay off their debt

✨If finances scare you, you’re in the right place because I was there too. I avoided my debt for 8 years because I thought if I looked away they would go away. Unfortunately it doesn’t work that way but with my step-by-step system we’ll tackle one thing at a time without overwhelm.

✨You’ll learn how to turn your current stressful finances into a manageable system no matter how much money you make 

✨You’ll still be able to spend on the things you love most, learn how to afford anything, just not everything

✨I’ll help you map out your financial dreams into goals you can actually accomplish

✨You’ll know the exact date your debt will be paid off! You’ll learn how to create a plan to figure out how much you can afford to pay each month towards your debt to get it paid off sooner and become debt free!

✨You’ll learn to track your finances by using an easy and quick system that will work for you, resulting in needing less time to manage your money.

Guided video lessons to help you master money principles to become debt free!

TOOLS INCLUDED to get out of debt and make managing your finances easier:

Spreadsheets:

  1. 90-Day Expense Tracker - track, categorize and review your past spending

  2. The Budgeting Spreadsheet - create and follow your first budget

  3. The Net Worth Tracker - track your income, debt, expenses and net worth all in one place

  4. Debt Payment & Analysis Tracker - track and analyze your debt payments

  5. Mini Budgets - break large expenses into manageable savings goals.

PDFs:

  1. Let’s Talk About Money - ice breakers and tips for positive money conversations

  2. Splitting With A Spouse - learn a method to share money with a spouse that will work for your relationship

  3. 6 Apps You Need - necessary money apps to have in your life

  4. Money Mindset, Intentions & Goals - make goals and intentions more manageable and top of mind

AND MORE!

Bonus: You’ll also get access to any new tools that I’ve created while we are together!

I personally guarantee:

  1. This program is structured for those starting from the beginning without a budget, goals or a plan to become debt free.

  2. You’ll learn an actionable process that 's not just fluff and abstract theory.

  3. The principles you learn in this course will be the critical building blocks you need to build wealth, increase your credit and become an investing genius.

  4. You’ll get all the resources in my toolbox that I personally use and have offered to all of my one to one clients.

  5. My teaching style will help you get out of debt. See results once you complete the course, or money back!

Frequently Asked Questions

  • Babe, that’s what I do! If you have less than $100k in consumer debt (not including a mortgage) you’re in the right spot! I paid off over $46k personally but have helped women and families pay off much more than that!

  • All you need is the attitude that you are DONE living with debt and a strong belief that there is no better time than the present to get started. Each module is broken down into bite-sized tasks that any beginner will be able to keep up with.

  • Debt causes all of the emotions. Overwhelm, stress and anxiety just to name a few. And if I have learned anything over the years speaking with clients it’s that everyone wishes they would have started sooner. Each module is broken down and follows a roadmap for easy implementation as you do the work.

  • Close your eyes and ask yourself, “would I benefit from someone holding my hand along the way?” If the answer is yes you may want to add the 1:1 coaching to the course to ensure that you are actually implementing what you learn. I will be there holding you accountable each week while ensuring you are making space for big changes in your life!

  • Have you ever calculated how much money you spend on interest payments a month? Or how much NOT paying off your debt early is costing you over the life of your loans? Honey, you can’t afford NOT to do this work today. Payment plans are always an option for an additional small fee if you need a little time and I would be happy to look at your past spending to help you find areas of opportunity to reduce spending to afford this support. Just message me directly!

  • Yup, just ad 10% and I can break the payments down into easy monthly installments!