Don’t know where to start with your debt—or what to do next?
Break Free From Debt is a 6-week group coaching program for women who are feeling overwhelmed with debt and are exhausted from trying to figure it out on their own.
You know you need to deal with your debt.
Maybe you’ve Googled debt payoff strategies, made a spreadsheet, or tried to put as much money toward it as possible.
But it still feels like you’re drowning and you’re not sure what to do.
Every attempt to figure it out leaves you feeling more confused than ever.
Should you:
Focus on the smallest balance or the highest interest rate?
Use your savings to pay off debt or keep it for emergencies?
Consolidate with a personal loan or use one of those debt settlement companies?
Cut expenses, increase your income, or both?
File for bankruptcy?
It feels like everyone has an opinion, and the more advice you read, the harder it is to know what applies to your situation.
And underneath all of these questions is this feeling of:
"I should have this figured out by now."
You're not alone in that. Not even close.
The women I work with are smart, capable, successful in so many areas of their lives. But when it comes to debt, they often feel overwhelmed, ashamed, and stuck in a cycle of second-guessing every financial decision.
That's exactly why I created this program.
The Missing Piece Isn't More Debt Advice
Most women I work with already know the basics.
They know they should pay down debt. They've read articles, listened to podcasts, watched videos, and tried different strategies.
What they're missing isn't information.
It's clarity.
A way to cut through all the conflicting advice, understand their options, and create a plan that actually fits their life.
Because getting out of debt isn't just about knowing what to do.
It's about knowing what to do next given your situation, goals, and priorities.
That's exactly why I created this program.
Hi, I’m Annie!
I’m an Accredited Financial Counselor® and founder of Mindfully Money.
I help women get out of debt and feel calm and in control of their money. No shame, no extreme budgets, no pretending this stuff is easy. Just practical guidance, real support, and a plan that actually fits your life.
Break Free From Debt is a 6-week live group coaching program. We meet weekly on Zoom, and each session builds on the last so you leave with a complete debt payoff plan you actually understand and feel good about.
Over six weeks, you'll go from overwhelmed to in control. Here’s what we’ll cover:
Week 1: Get Grounded
Before we touch a single number, we'll reconnect with why this matters to you, let go of the shame you've been carrying, and stop new debt from piling on. You'll leave with a clear reason to keep going when it gets hard.
Week 2: Know Your Numbers
We'll take an honest, judgment-free look at where your money actually goes — because you can't change what you won't look at. Most people find money they didn't know they had.
Week 3: Build Your Plan
You'll build a personalized payoff plan, see your real debt-free date, and learn how much interest you'll save. We'll also set up a small emergency cushion that keeps debt from returning.
Week 4: Find More Money
Freeing up money for debt doesn't have to mean feeling deprived. We'll work on mindset and habits that make spending changes actually stick so that you can make progress faster.
Week 5: Accelerate Your Progress
The honest truth about consolidation, balance transfers, debt settlement, and the rest: what genuinely helps, what to avoid, and how to use these tools to your advantage.
Week 6: Make It Last
Real life happens, and setbacks are part of the process. You'll leave with a concrete plan for the hard moments — so a slip never turns into giving up — and a clear path for what comes next.
Here’s What’s Included:
6 weekly live Zoom sessions (recorded if you can't make one)
Live interactive coaching sessions where I’ll walk you through the exact steps you need to take and answer your questions.
A private community group for support between sessions
You’ll be able to ask me questions in the group and get support, ideas, and accountability from other members.
Worksheets and resources for each week
Access all of the tools, calculators, worksheets and more that will help you create your plan, evaluate the numbers, and stay on track.
Upcoming Sessions
SUMMER COHORT — Starts Wednesday July 22, 2026
Live sessions: Wednesdays at 11am Central
6 weeks, ending August 26
(The price goes up to $297 for the next cohort — this is the lowest price it will ever be)
$197
Payment plan available: 2 payments of $99
My Promise to You
If you show up, do the work, and don't feel more clear and in control of your debt by the end of the six weeks, I'll give you a full refund. No hoops to jump through.
I'm confident in this program, and I want you to feel confident signing up.
FAQs
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This program is designed for women+ who are experiencing emotional distress related to being in debt and want kind, compassionate support in paying it off.
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I understand how frustrating it can be when you’ve tried other programs without success. What sets this program apart is that it’s not a one-size-fits-all solution. It’s holistic and personalized to your unique circumstances, and we don’t just focus on the numbers—we address the emotional and mindset aspects of debt as well. Plus, you’ll have the support of a group of women who are going through the same journey.
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I get it—spending money while you're in debt feels counterintuitive. The payment plan option exists for exactly this reason.
Most people end up coming out ahead financially because they end up finding more savings and reducing the interest they pay on the debt.
However, if you do the work and don't feel like it was worth it, you get your money back.
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Live sessions are Wednesdays at 10am Central. I know that won't work for everyone's schedule — the good news is sessions are recorded, and you can watch at your convenience.
However, the program will work best when you can participate in the live sessions and fully commit yourself to the program.
If now is not the right time, make sure you're on my email list to learn of other opportunities. If you would like me to offer this again at a different time, let me know!
I also offer 1:1 financial coaching that has more flexibility to fit with your schedule.
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You’re not bad with money—you just haven’t had the right kind of support. I’ll guide you through each step, helping you build confidence and clarity around your finances.
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Debt can feel overwhelming, but no debt is too big to tackle. This program is designed to meet you wherever you are, whether you have a small amount of debt or feel buried under it. I’ve helped women in all kinds of financial situations take control of their debt, and I’ll guide you every step of the way. Your debt will almost certainly take longer than 6 weeks to pay off, but you'll walk away having a plan and knowing exactly what you need to do.
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No! This isn’t about extreme frugality or depriving yourself of joy. My approach is about finding balance. I’ll help you build a plan that allows you to enjoy life while still making steady progress toward paying off debt.
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I know that talking about money can be really hard, especially when you feel ashamed or embarrassed about your debt. That’s why this group is designed to be a supportive, judgment-free space where everyone is going through similar challenges. You’ll be met with kindness, empathy, and encouragement every step of the way.
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While this is a group coaching program, you’ll still get some personalized guidance. During the live sessions, you’ll have the opportunity to ask questions and get feedback specific to your situation. Plus, I’m available in the community group to answer questions and provide extra support.
If you'd like truly individual support, 1:1 financial coaching might be a better option for you. Schedule a call to learn more.
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Live sessions, recordings of live sessions, and the community are reserved for registered participants who identify as women+ only.
However, you can and should talk about it and work through the assignments with your partner! Feel free to use the resources and worksheets together as a couple!
Spouses or partners who are women+ may register at a reduced cost by sending me an email.
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It sounds like traditional financial coaching might be a fit for you! Schedule a call with me to discuss how I can help!
Debt is heavy. But it doesn't have to feel like something you just live with forever.
You don't need to figure this out alone, and you don't need a perfect plan before you start. You just need a place to start — and people who will actually help you keep going.
That's what this is.
