Start here to live a Frugal, Debt-free life today!

Download a simple money saving checklist that will help you find more ways to save money, pay off debt and live a conscious life!

What would you like to do?

Pay off debt faster by choosing smart debt pay off strategies. Save Money on interest payments and start planning for short-term financial goals.
Choose a conscious frugal living lifestyle. Embrace minimalism and start planning for long-term financial goals.
Collection of Simple and Healthy Recipes made with REAL Whole Food and Tasty yet Frugal Ingredients.

Hi, I'm Dee!

It is my passion to help moms and their families to get out of debt and stop living a stressful life to make ends meet. You deserve to spend your time with your loved ones and lead a relaxed life without compromising on the work-life balance. I’ve been in your shoes, working 60 hours and sometimes more every week. Back in the days, I was happy about making 6 figures working as a project manager for corporate America but the demands of constant travel and work stress took a toll on me. And then health crisis happened and I decided to chose myself and my family. Since then we have become one-income family and managed to stay out of consumer debt. What did I do to get debt-free? Find out here

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What is a Conscious-Debt Free Life?

  • Finding a fine balance between aspirations and our own strengths
  • Knowing the difference between needs and wants
  • Keeping the needs minimum for your own lifestyle
  • Starting where you are with what you have and working towards your life goals while enjoying the progress 

What is not a Conscious Debt-Free Life?

  • Living in constant worry about how to make ends meet
  • Living in misery or extreme frugality 
  • It is definitely not about leaving your day job or work to pursue your hobbies and interests when you clearly can not afford to do so right now
  • Accumulating stuff just because it is on sale

Shop Frugal Debt-free Living Essentials

This Digital Home Management planner includes 365 days of daily planning pages with the layout for your home, work, and personal life. It also includes family chore charts, a two-week meal plan, a family budget, Exercise trackers, sleep trackers, a Mood tracker.

Price: $37


Stock up on essential foods and avoid food waste all year long!

BONUS- Spending Freeze Checklist and Menu Plan

Price: $3.99


Our Customers reviews

What people say?

I like the simple money saving checklist on this website. Now I’m not worried about making a complex budget and noting every single purchase in it. One task a month under 20 minutes is all it takes for my family to stay within our monthly budget and not increase more consumer debt. Thank you. – J.Nathan
I like the way Dee makes it easy for my family to manage our hard-earned money. Her articles and planners are simple, minimalist and action oriented. I can’t wait for another free planner Dee makes. Her freebies are as valuable as her paid journals and planners. She is generous with her efforts. Keep up the good work Dee!
Richard D.

Reader Favorite Articles

There is no better time than now to start saving. Use these 52 weekly money-saving tips to get out of debt and crush it every single year. Even if you follow one tip every week, the savings will add up substantially.

Are you stuck in the perpetual cycle of earning more, spending more, and finding it hard to get out of debt? These 40 money-saving habits will you break that cycle and gain control of your finances for ultimate financial freedom.

Have you tried cash budget system? It is excellent to break the habit of credit card spending. But you can save even more money by smartly using a credit card with a high cashback and 3 simple rules that will help every month.

Debtfree living journey starts here

Download our free money saving checklist, and start using it at least for two weeks. It will get easier for you to get started on saving for Emergency Fund. Remember the key is to maintain consistency.

  1. Create Your First Emergency Fund (Target- $1000)– First and foremost important is to keep your first emergency Fund ready. If you do not have one, or do not know what it is- please check out my blog post on 15 easy steps to save $1000 fast and build your first emergency fund.
  2. Define Your 5 Biggest Reasons to Get Out of Debt or to Get Financially Independent-  Create your next goals to get out of debt. Your reasons are very personal to you. They will keep motivating you throughout your journey.
  3. Create your Money Vision Board- Now that you know your top 5 reasons to get out of debt, make them work for you, even when you are asleep. Creating your own vision board will help you focus, stay on track as well as keep reminding you about the rewards you will receive at the end of all the hard-work you are putting.  Check out a sample Vision Board here to supercharge your resolutions for 2021.
  4. Stay Connected-

    Now that your reasons are clear, your vision board is ready, all you need to do is stay connected with your goals, and with the like minded people going through the similar journey as yours. Connections are powerful because they enable us to commit to the actions that will eventually help us get free from debt and stay that way forever.

Conscious Debt- Free Life is all about

Financial Freedom * Personal Finance * Debt Freedom * Contentment * Financial Education * Financial awareness * Money Management * Make Money * Earn Passive Income * Grow your Income * Stop living Paycheck-to-paycheck * Build Wealth * Build sustainable Home * Live consciously * Live Minimally * Live Frugally * Grow your own food * Money Habits

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I have a special GIFT for you!

This is a simple money saving worksheet we have been using from last 10 years. This single tool has helped me quit my stressful 9 to 5 job, start my own tiny online shop, get educated and build sustainable passive income!