Welcome to the Debt Free Millennials Resources page!

I have included a list of tools, products and services that are here to help you on your debt free journey. If you feel like you’ve been wasting time worrying about money instead of doing something about it, you are in the right place. 

I have personally used and tested each recommendation on this page. I update this page frequently so you’re getting the most up-to-date list every time you return, so bookmark this page for future reference.

Before you jump in, please read this important disclosure:

The list below includes some affiliate links, which means by clicking on one of these links and making a purchase, I will earn a commission at no additional cost to you. My experience with these tools, products and services are something that I value because I found them personally helpful in my debt free journey, and I hope you do, too. Please do not purchase something unless you feel they will help you achieve kickass ninja money status.

debt free millennials justine nelson


Credit Karma

Credit Karma recently updated its tax software, and it’s very intuitive. Plus, it’s 100% FREE no matter what your tax filing situation.

Check out my review with The College Investor!

H&R Block

You know the name, and its tax software lives up to it. If you want something premium, I really like H&R Block’s interface and simple questions to help me file taxes.

Check out my review with The College Investor!


🎬 Debt Free Millennials YouTube Channel

I share quick tips on how to get out of debt and save money. Plus, I talk about beer, travel, and interview some really amazing millennials on the channel!

📝 How to Control Your Spending Workbook

Reduce money stress and get your spending under control. My 50-page BUNDLE of activities + printables is a perfect fit to help you become debt free.

💻 Debt Free Millennials Budget Toolkit

Includes the exact budgeting spreadsheet that I use to track my monthly income and expenses, plus a few debt free progress charts to keep your debt free goals top of mind.

✅ Debt Free Progress Charts

Our printable debt free progress charts are great for people who like to see visual progress on the debt free journey. Download a chart for free and color in a line every time you make a payment. My debt free progress chart was a great tool to keep me motivated to pay off debt!

🤓 Debt Free Millennials Blog

Read how other millennials are successfully paying off debt, plus money tips and tricks from yours truly!

☀️ Personal Capital

I primarily use Personal Capital to track my net worth. It is really cool to see my trends in spending and saving. Plus, you can upload all of your financial accounts to one platform!

✏️ Survey Junkie

Make quick cash taking online surveys with Survey Junkie. While you may not be able to bring in hundreds of dollars each month, you can easily support your coffee addiction with money made here.


👊The Freedom Project: How to Slash Your Debt and Stay in Control with Your Money

This is the flagship course for Debt Free Millennials. This is a debt free program the helps you:

  • Understand how your brain works with money
  • How to save for an emergency
  • How to setup and use a monthly budget
  • How to pay off debt using one of two methods

The Freedom Project was designed to get you on the right path financially so you can live life with #noregrets.


Budget Bootcamp

Budget Bootcamp is a one-on-one private monthly budget coaching session that is focused on you and your life. I help you organize your personal finances so that you feel taken care of, supported and best of all, on your way to a debt free millennial life. I’m going to help you go from panicked and overwhelmed to confident and stress-free.


Think and Grow Rich by Napoleon Hill

MY FAVE BOOK. Seriously. This book has actionable steps at the end of each chapter to help you achieve whatever you want in life. My mind was seriously blown at how good I became at setting out plans for my desires.

⚡️ The Millionaire Next Door: The Surprising Secrets of America’s Wealthy by Thomas J. Stanley and William D. Danko

I loved learning about habits of millionaires in this book. It’s written in the ’90s but it’s still relevant today.

The Little Common Sense Book of Investing by John C. Bogle

Hands down, the best book on investing I have ever read. Bogle keeps the language simple and the book is only 216 pages.

🤝 How to Win Friends and Influence People by Dale Carnegie

If you ever wanted to be a better conversationalist, you better read this book. I learned so much about communication. This is a must read for everyone!

The Simple Path to Wealth by JL Collins

Highly entertaining and easy to read, I found that JL had simple concepts to help me achieve financial independence using index funds. This book throws complicated retirement paths out the door and gives you a simple path to follow.


🎧 BlitzWolf In-Ear Earphones

These in-ear earphones are seriously sound-proof and only $20. I used these to watch movies on a 15-hour flight to Sydney and couldn’t hear any plane noise! 

😴 BCOZZY Travel Neck Pillow

This neck pillow actually wraps around the front of your neck so you avoid bobble heading during the flight.

Travel Backpack

I am currently obsessed with #allthepockets. There’s a privacy pocket in the back for your passport and a pocket specifically for your laptop! Did I mention it’s only $30?!

✈️ TSA-Approved Toiletry Bags

Clear and durable toiletry bags that make it easy to pack travel-sized containers so you can ditch the Ziplock baggy.



Shopping for the best car insurance rate was really daunting for me. Once I figured out the right coverage I needed, I uploaded my policy into Gabi and they told me what was a good rate for me. So much easier than contacting insurance companies individually!


If you love the gym but hate the cost of a gym membership, look no further than FitnessBlender.com! I have been following Daniel and Kelli for years because they offer 500+ free workout videos you can do at home!

Madison Reed At-Home Hair Color Kit

There was a time when I spent $200 on hair color at the salon. Not. Any. More. I tested Madison Reed and love the results. I won’t use anything else. Get $15 off your first order!

Chase Freedom

Chase is the only credit card company that I use for personal and business expenses. If you’re new to credit cards, check out the Chase Freedom card. There are quarterly cash back incentives, plus you can build up points to use for travel. If you typically put more than $200 per month on a credit card, this option might be good for you.

Chase Sapphire Preferred

If you already have experience using credit cards responsibly, i.e. you pay off your bill in full every month, check out the Chase Sapphire Preferred card. This is a step up from the Freedom card. No fees for using internationally, and earn 2x points on travel and dining. If you typically put more than $1,300 per month on a credit card, this option might be good for you.


Rakuten (formerly Ebates)

You all have heard of Ebates or Rakuten, right? I saw the commercials. I saw happy moms online shopping. What gives? I had to check it out for myself. I have earned more than $250 cashback in the past two years since signing up. You definitely need this extension!


Fetch is the quickest and easiest way to save when you grocery shop. There’s no clipping coupons. Scan your grocery receipts, earn points, and redeem those points for gift cards. Doesn’t take a lot of time out of my day and I’m planning on stockpiling my points and use them for gift cards for next Christmas. 

Use code APREWARDS to get an additional 3,000 points. Note: 10,000 points = $10

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