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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 while still having some “balance" (saving while living).
Sections
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Books & Articles On Money or Debt Pay Down
Wheres my money going...
Budgeting Tools
Apps/ Websites I am using to make or save money
Credit Cards I Use With Cash Back Bonuses or Rewards
Books & Articles On Money or Debt Pay Down
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 or articles that I have found on 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
Learn how to pay off debt on a fixed income without feeling deprived. Practical tips, habit shifts, and a free debt tracker to help you build self-trust and financial freedom.
How to Pay Off Debt on a Fixed Income (Without Feeling Deprived)
This book talks about our behavior towards money and what we can do to improve it. Lots of nuggets.
The Psychology of Money: Timeless Lessons on Wealth, Greed, and Happiness (Paperback)
This book helps you understand how your relationship with money shapes your decisions and then how to reshape it so money works for you.
The Art of Spending Money: Simple Choices
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 and whats worked for others. Like with anything, try a few different ways to see what is best for you.
Knowing where your money is going is key to saving and becoming debt free. This digital spreadsheet is a great place to start.
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 especially if working with cash because you see everything you have to work with for that month.
Clever Fox Cash Envelopes Budgeting Kit, 12 Pack
Track expenses, manage money and more with your own personal budget binder. This is great if you're one for writing it all down vs putting it on a spreadsheet or prefer pen to paper.
Clever Fox Budget Planner Binder - Peach Pink
I still get paper statements for a variety of bills so having a place where everything is stored helps me stay organized. I've been using these for years! They work great for being organized.
Current Fresh Patterns Bill Paying Organizer - Spiral Account Book, 9" by 12 inch, 14 File Folder Pockets, Receipt Storage
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 and have used myself. Its so neat to see how it can all add up and help you towards debt payoff.
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. I like it because it gives you cash back faster than some of the other cash back apps/sites.
Honey
This app pays me 10x more than other survey apps, check it out. I love it, its super fast, easy and fun. I've been using it for years.
Influence - Paid Video Surveys | powered by Voxpopme
Get rewarded to shop with this app as it offers cash back on the things you buy. You also have other ways to earn money through affilate marketing and surveys. 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
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 and there's an app you can download that has your info when you go to the pharmacy,
GoodRx
This is one of the ways that I'm making money as a side gig. There are a variety of jobs posted online that you can apply to.
Mercor | Explore
I've been using paypal to process payments when I buy items and when I do this, I can earn rewards. Those rewards can add up quickly sometimes. Check out the details here. They even offer high interest savings accounts.
PayPal US
Public has a variety of account options for long tern or short term investing. If you're looking for a high yield savings account, they offer that too. Interest is passive income.
Invest Your Money
Credit Cards I Use With Cash Back Bonuses or Rewards
These are a few of the credit cards that I use that have cash back bonuses or rewards. If you're going to shop using them, they offer an incentive. Just be sure to pay them off as you use them as outlined in some of the debt payoff arricles/books.
I've worked with Capital One for years and have been happy with their cash back program. I use my card and apply the rewards to pay down the card each week.
Capital One Credit Card
Join the millions of members who count on a Mission Lane Visa® Credit Card every day. See if you'll be approved with no impact to your credit score.
See If You Pre-Qualify for a Mission Lane Visa® Credit Card
You could earn 20,000 bonus miles and a new Capital One cardholder $50 statement credit if you open an account.¹ See link for complete details.
If You like to travel, here's a rewards card to help you go to all the places you want to visit.