Minimalist Money: How I’m Paying Off Debt While Living on Less

I’m on a mission to pay off over $30,000 in credit card debt. The simplest way?
Live on less. Want less. Buy less.

Minimalism doesn’t just clear out your closet — it clears your mind, too. And when your mind is clear, your finances follow.

The first time I sat down to budget, it was honestly overwhelming. But seeing the hard truth of my expenses was the wake-up call I needed.

Now I track:

I use a simple spreadsheet (and occasionally tools like YNAB or Rocket Money). The point is — awareness is power.

By cutting my spending, I didn’t feel deprived.
I felt relieved.

Fewer Amazon boxes showing up. Fewer “fun money” purchases that collected dust. Less clutter in my physical space meant more mental clarity.

Every $100 I didn’t spend was another $100 toward being free of debt.

I keep it extremely simple:

It’s not fancy. It’s sustainable.

✅ My minimalist budget vault (spreadsheet to track every dollar).
✅ YNAB or Rocket Money to keep an eye on recurring subscriptions.

Minimalism isn’t just a trend for me. It’s a system to get debt-free so I can build quiet wealth on my own terms.

👉 Want the minimalist budget vault I use?
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