Starting new savings challenges for January 2023 and completing one challenge πŸŽ‰πŸ’°

D buck tracker:

Save my name (birthday) challenge:

Save 2023 in 2023 challenge:

2023 Happy New Year challenge ($276):

Happy New Year Challenge($55):

Happy New Year Challenge ($50):

January Reward Challenge:

Happy New Year Scratch Off Challenge:

Thank you for joining me on my debt-free journey! I started with over $100,000 in debt and have paid off over $60,000 with the helping the cash envelope and savings challenge system.

Disclaimer: my videos are for entertainment purposes only. I am not a financial advisor; I’m simply sharing my journey of cleaning up my financial mess.

Contact info:
Denisse @ D vs Debt
PO Box 4504
Bisbee, AZ 85603

[email protected]

My site:

My printable shop:


Classroom wish list:
I teach in a high poverty area on a campus with a high food insecurity rate, so I like to keep snacks available in my classroom and my office for my students.

Buy Me A Coffee (donate $1, $3, or $5)

Referral code for $5 bonus after your first transaction of $5 or more:

Referral links:

Erin Condren
If you create an account using my link they will email you a coupon for $10 off your first order:

Visible unlimited wireless data, talk, & text (Verizon)
When you use my friend code, 37HNGSL, you’ll get your first month of service for only $5!

CashApp $5
I’ve been using Cash App to invest, send money and spend using the Cash Card. Try it using my code and you’ll get $5 after your first transaction of $5 or more. WQTGSDD

Venmo $10
Join Venmo to get paid and send money. Plus, earn $10 for signing up after you make a bank- or card-funded payment of at least $5 within 14 days.
Download the app using my referral link:

Get the app here & earn 2,000 points for your first receipt:

It’s a free app that gets you cash back on the stuff you buy everyday. Just use my referral code “uvefcjn” at registration. Sign up at β†’


Buy and sell on Mercari. Get up to $30 when you get started. Use code JCYAGE when you sign up with my link:

Affiliate links:
Items I use for budgeting and my videos:

Gold placeholder money:

Monthly budget planner workbook:

A5 binder and zip envelopes:

Cash sorter tray:

Leopard background mouse pad:

Locock calculator:

Mildliner highlighters:

Frixion Erasable Pens:

Dot markers:

Mini A9 binder with envelopes (2”x3”)

Clear Zipper A6 Cash Envelopes with Letter Stickers:

Laminator sheets 5 MM:


Arc paper punch:

Book: Millionaire Teacher: The Nine Rules of Wealth You Should Have Learned in School

My Amazon notebook affiliate links:
Busy Bee checklist notebook on Amazon:
Mija you’ve got this notebook:
Brain dump checklist notebook:
Corgi composition notebook
Blessed, stressed, & checklist obsessed notebook

You May Also Like