I paid off over $46k of debt in 20 months and it's become my mission to help women take back control and change their lives!

Hey there!

I'm Kelly Sjostrom

I made YEARS of minimum payments for my undergraduate student loans. I woke up one day hoping to see the balance nearing zero and I realized I had barely made a dent!

There was no debt payment plan that I found that worked for my life. I still wanted to go to restaurants with friends, travel cross-country with my partner and fur-baby and I didn't want to live on beans and rice.

After creating a plan that helped me eliminate my debt in only 20 months it has become my mission to help others do the same.

Through the power of intentional spending (via a budget), some goals and a little bit of hard work, you too can manage your money, without it managing you!

Get Organized

I'll show you how to create a budget that actually works. Finally take the stress away and spend money on what you love most.

Eliminate Debt

Let's get organized with a plan to become debt free and giving you back more of your paycheck.

Reach Goals

Whether it's your next marathon, a kitchen remodel or moving abroad, I'll show you how to save and make these dreams actually happen!

"Paying off debt doesn't have to be hard, it just has to be intentional"

My Story

I was that person that balanced her checkbook until I was 29 years old. Yes, that meant pen, check register, and holding up the line at Target. Ensuring every penny I had in my account so I wouldn't get an overdraft fee.

I lived like this for years, always stressing about how much money I had and how much money I owed - there had to be a better way.

After realizing how much debt I still had after years of payments,  I learned the ways of the debt-free world. People paying off incredible amounts of debt in 1-3 years and I thought, if they can do it, I CAN!

I guess you could say that I fall in the "over-achiever" bucket. I am usually obsessed with one thing or another, and becoming debt-free was my next big obsession!

In 20 months, I was able to pay down $46,514.91 of debt.

Here we are today, and looking back, I would tell my younger self that there is an easier way.

A way that didn't involve interest payments. A way that involves a little bit of accountability for a lot of happiness. No more stressing about how much money I owed, or had, or didn't have. No more checkbook registers!

Join me, my story can be your story. I didn't make six figures, I didn't inherit money. I knew some basic, yet real, principles to help guide my life into a money-positive lifestyle.

Thank you for sharing your knowledge with me and others. You have made an impact on my financial life that I'm truly grateful for. 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."

- Sarita

"Kelly is a great motivator and cheerleader! So good to have a positive voice guiding us through the stressful act of evaluating our budget!"

- Anonymous

"After a little over A YEAR I finally completed a whole month and stayed on budget!! I couldn't have done it without you, so I just wanted to say thank you!! :)"

- Victoria

Why I Do It

Financial literacy is not something I ever heard growing up. While my parents did their best to provide for our family (I never had to worry about my next meal or getting school supplies) I wasn't a kid to wealthy parents.

As I started to tap into this world of becoming 'debt-free!' I saw that there were easy, clear things everyone could be doing ot instantly enhance their lives and increase wealth.

It wasn't fair that everybody wasn't in on these secrets!

Once I was debt-free, I realized that the methods I used to pay off debt could be replicated by almost anyone. So I made it my mission to help as many people as possible create healthy financial habits and a better life for themselves and their families.

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