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What I'm doing to become debt free....
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items Who else is trying to save money and get out of debt? Here's some of the things I'm doing to save more money and pay down my debt.
Sections
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Books On Money
Wheres my money going...
Budgeting Tools
Apps/ Websites I am using to make or save money
Books On Money
No matter who you follow (I know not everyone likes some of these peeps), you can still learn something from them that you can implement and make work for you on your journey to becoming debt free. Here's some of the best books on money that I have read.
Reading is power…here's one worth checking out.
Baby Steps Millionaires: How Ordinary People Built Wealth
Learn how Tori became debt free while practicing mindful spending, disciplined saving, and with strategic investing to combat financial inequality.
Financial Feminist: Overcome Patriarchy & Master
A great book everyone should read..
Rich Dad Poor Dad: What the Rich Teach Kids
On the list to read…This book takes into account religion and money and how to apply to daily living.
God and Money: True Riches at Harvard Business
A quick read that will help you understand how to choose the right accounts and what to do to save your money.
I Will Teach You to Be Rich: 6-Week Program
Great book on budgeting and working towards being debt free.
Debt Hub Page - The Budgetnista
A hope-filled money guide to increase savings, earnings, and giving and actually enjoy it all while designing a life of freedom and eternal impact.
Simple Money, Rich Life: Achieve Financial Freedom
Wheres my money going...
Tracking the money that you have (both coming and going) is going to help you with your debt pay off plan. Here's some ideas for you…
Knowing where your money is going is key to saving and becoming debt free.
Budget Spreadsheet
Track and save money with this cash envelope system. Some folks like to have more control over their dollars and this system works for a lot of people.
Clever Fox Cash Envelopes Budgeting Kit, 12 Pack
Track expenses, manage money and more with your own personal budget binder.
Clever Fox Budget Planner Binder - Peach Pink
Budgeting Tools
These are a few of the things that folks use to budget with. There is no right or wrong method. Pick the best that works for you!
Knowing where your money is going is important.
5 Best Free Budgeting Tools of 2025
Some folks like the budget envelope system because “seeing” their money helps them stay better on track than keeping it in multiple checking accounts. If you'd like to give it a try, these are great.
Clever Fox Cash Envelopes Budgeting Kit, 12 Pack
For folks that like spreadsheets, here are some budgeting templates you can download and use.
Free budget templates
If you've got time and the desire to save money and become debt free, this app can help. It takes time to learn how to use it, just like anything else, but it works when applied!
The Best Budget Apps for 2025: YNAB, PocketGuard and More
Apps/ Websites I am using to make or save money
I try to make at least $10 a day using apps, surveys, etc. Here's some of the ones I recommend.
This is one of the first ways that I made money as a side hustle and I'm sharing my fave tips here….
A Beginner's Guide To Mystery Shopping: Tailored for Individuals with Chronic Illnesses
I've been using this website for years to get cash back on everyday purchases. Now you can too!
It Pays to Share! Refer a Friend, Earn $30 at Rakuten
Another favorite for getting cash back on everyday purchases. Check this out!
Sign up for free and claim your $10 bonus from LauraKellyPifer
I love getting cash back on the items I buy. Here's one website I use.
Honey
This app pays me 10x more than other survey apps, check it out - I love it, its super fast, easy and fun.
Influence - Paid Video Surveys | powered by Voxpopme
Get rewarded to shop. It really does pay!
Brandclub - Get rewarded to shop
Heres a resource with different ways to save money. I haven't tried all of them because I am working through the things I've started but this may give you an idea of where to start.
How to Save Money: 27 Ways
There are many investment companies that you can use to help. you manage your money. I like to read from a few…here's one I trust.
FINANCIAL ADVISOR Kodie Earp-Hughes
Not all prescriptions are covered and sometimes a savings card can help. Here's one that I use and have on hand for times like that. It's free to sign up.
GoodRx