Debt is disasterous.
Wouldn’t it be nice to take a magic eraser to all of those outstanding balances so you could start clean? Every time that monthly payment rolls around, it’s annoying. It seems like there’s no way around it other than to hope your boss will give you that well-deserved raise.
But here’s the thing.
Debt doesn’t go away on its own. We get caught in an endless cycle of making intentions to pay it off, get discouraged, go shopping/bar hopping/Amazon ordering, get discouraged again, and vow to clean up our act the next month. Sound familiar? If you get the itch to spend often and can’t seem to get on board with a beans and rice program, then The Freedom Project is for you.
The Freedom Project will teach you how to crush your debt to achieve financial freedom.
Get your financial life on the up and up.
It’s so confusing on what to do first: open that retirement account, save for a house, pay off student loans, tackle the credit card debt⸺tornado sirens just went off in my head. The Freedom Project tells you which steps to take and what order to take them in.
Imagine treating yourself to a sushi date with your partner just because you felt like it. Imagine booking a trip to an all-inclusive resort in Mexico that you paid for in cash. Imagine keeping that $200, $500 or $1,000 debt payment in your bank account and watching it GROW. What if I told you I can show you how to be a debt free millennial by applying practical steps to your money and your life?
The Freedom Project works no matter how much debt you have.
Whether you having $20,000 or $100,000 in debt, my process incorporates your monthly income and helps you categorize your expenses and debts so you can prioritize your money and tell it exactly where to go.
Managing money doesn’t have to be bald-Britney-scary, the principles I teach gives you permission to spend with control and slash your debt.
When you tell your money what to do, you are in control and take away unnecessary stress. When you create a mindset for riches, you learn to pay off debt more efficiently and still have room leftover to grab a craft beer with your crew.
"The Freedom Project has piqued my interest on WHY I spend the way I do and has already got me in the mindset that I can make this happen."
- JoAnna, age 27, Colorado
Who is The Freedom Project for?
💰 Millennials who want to be debt free. Debt seems to be coming from all areas of your life and you’re fed up with not being able to spend money the way you want to spend it.
💸 Millennials who are tired of making monthly payments. Instead of paying $157 to student debt and $70 to a credit card bill, you want to spend your money on stuff you actually care about.
📝 Millennials who are in debt and can’t get organized. There’s plenty of information out there, but no one has clearly told you HOW to start. You want actionable steps that feel freeing not constricting.
💪 Millennials who want control over their money. A beautiful home, a nice car, and indulging in guilty pleasures takes money. You just need a bit of guidance to figure out how to ditch debt and spend like a boss.
"Y'all, I'm halfway through the course and I've had SO MANY 'ah ha' moments already. Girl knows what she's talking about and has already helped keep my mind right and is setting me up for a bigger and better path in my life."
- Caitlin, age 27, Colorado
I owed $35,000 and made $10/hour.
My first job right out of college was at an advertising internship. I only made $10 per hour when I started to realize that I owed a lot of money to the US Department of Education. The icing on the cake? I moved back in with my parents. This was life after college?? I got mad. Then I took that anger and applied it to learning everything there is to know about getting rid of debt as efficiently and quickly as I could.
Once I got intentional with money, I saw a dramatic change in how quickly I was able to pay down debt. I got so laser-focused on the end goal, that at one point I was putting more than 40% of my paycheck towards debt.
Oh, and I still got to do what I wanted while I was in debt. I vacationed in Florida, hiked around the Colorado mountains, bought a new mattress (life changing, y’all) and even went scuba diving in Puerto Rico. (Yes, all while paying off debt.)
Two and a half years later, I was completely debt free and celebrated with my now-husband in Switzerland. (Paid for in cash, of course.)
Justine Nelson is the face and founder of Debt Free Millennials, a website and YouTube channel helping overwhelmed millennials improve their money situation without giving up the avocado toast. Justine was named a “YouTuber to watch” in Forbes for her simple, actionable financial tips, exploring debt, saving, and budgeting for craft beer. She paid off $35,000 in student loan debt in two and a half years on a $37,000 salary. Now she’s teaching other millennials how to crush debt and live payment free. When she’s not in front of the camera, Justine loves exploring San Diego with her husband and baby girl. She’s often found in the kitchen, perfecting her abuela’s Puerto Rican Spanish rice.
StartThe difference between active and passive budgeting (12:36)
StartSetting up your budget template - PART 1 (6:45)
StartSetting up your budget template - PART 2 (18:24)
StartSetting up your budget template - PART 3 (3:13)
StartHow to automate payments and contributions (12:09)
StartHow to have a productive budget meeting with your significant other (10:05)
StartWhen and how to set aside savings each month (18:41)
StartBONUS: Can you be trusted with wealth? (3:24)
Frequently Asked Questions
BONUS! Debt Free Happy Hours included
When you enroll in The Freedom Project, you get exclusive access to my monthly Debt Free Happy Hour! Every month, I open up a private virtual happy hour where we can sip a good beer (or your bev of choice) and you get ALL your money questions answered.
This is a LIVE Q&A every month where we discuss things like:
📊Optimizing your budget
💸Addressing unexpected expenses
👊Which debt to tackle first
✅Getting your partner onboard financially
The Freedom Project was created to help you take back the financial reigns in your life. I want you to save and indulge. I want you debt free and traveling. I want to celebrate over a cocktail and tell you that you are meant for something great.
Change your behavior with money. Feel like a boss in your life.
It’s time to take control. I can’t wait to see you inside. You’re going to do incredible things.