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At Negative Net Worth, I’m here to teach you about money and how to stop setting it on fire! I know you’re overwhelmed about how to handle your money as a young professional: how to stop shopping, pay off debt, and save for the future.

I get it. I’ve been there. The good news? I stopped spending mindlessly, slayed over $100,000 of student loan debt, began saving like a pro, and took control of my life. And I can help you do the same.

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What Do You Need?

I need to stop shopping.

I am overspending, impulse shopping, or obsessing over my next purchase. I am embarrassed about my spending patterns and wish I could stop. I need to break the cycle and develop better habits as a consumer.

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I need to pay off debt
and/or save money.

I cannot keep track of my finances. I need tools to budget and save money. I need a financial cushion, so I am not living paycheck-to-paycheck. Plus, I am weighed down by debt—and I need to pay it off.

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I need free tips, tricks,
and inspiration.

I want free resources to help me stop spending, start saving, and be a better consumer. I know I have what it takes to improve my financial habits—I just need the extra push. And I want to have fun in the process!

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latest from

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12 Critical Warning Signs of Emotional Spending

Compulsive Shopping· Stop Spending

Emotional Spending It happened again. You made a purchase—a big one, even—and you regret it. You feel familiar sensations course through your body. Disgust, revulsion, anxiety…even panic. How did I do this again? You wonder. I have a budget. I’m working on my finances. I thought I had my spending under control… The culprit might be emotional spending. Unsurprisingly, in…
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How to Shop Mindfully (and Save Money)

Compulsive Shopping· Stop Spending

MINDFUL SHOPPING TO SAVE MONEY If you’ve ever struggled with overspending, you might be wondering how mindful shopping could help stave off your worst impulses to shop. After all, if you’ve always existed on the “impulse buying” side of the spectrum, it seems like a long way to go to “mindful shopping,” doesn’t it? Click Here to Get Your FREE…
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How to Avoid Shopping During Holiday Sales

Compulsive Shopping· Stop Spending

How to avoid overspending during the holidays It’s that time of year! The holidays. Be it Christmas, Labor Day, or the Fourth of July…you can bet there’s a huge sale coming. If there’s anything that follows as night does the day, it’s a major retail sale whenever there’s a holiday. If you do the math on that, that means retailers…
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How to ROCK Your No Buy

No Buy· Popular Posts· Stop Spending

The No Buy Challenge So you’ve decided to tackle a No Buy or No Spend month, season, or year. Congrats! You’ve officially taken the first step towards managing your spending habits, and setting yourself on the path to financial freedom. You might be a little scared or apprehensive of a No Buy challenge. After all, you LOVE to shop! And…
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