Eliminate Debt Without Sacrificing Your Lifestyle
(Or the Things You Love)
Join the Debt Free Society Course Cohort
Starting May 5th, 2026 at 9 AM PT / 12 PM ET
Most women eliminate their first debt within 60 days.
Because a woman who builds wealth doesn’t avoid her money—she leads it.
What the Community
is Saying
“I cried a couple of times, understanding that I can let go of something that no longer serves me. I can look forward to who I really want to be and how I really want to invest my money.”
Davisha D.
“As Kara and I have known each other for the last 6 years, she got me from homelessness and not having so much money to where I am now, making over 6 figures”
Ella R.
“I have tons of spreadsheets and books about finances, but none of it was as effective as the three sessions I’ve had with Kara and the four credit cards down that I have now. It has been a life-altering experience and probably the most liberated I’ve ever felt in regard to my own independence and money.”
Preye P.
Does This Sound Like
You?
You’re a go-getter who has BIG DREAMS and wants to live life on your own terms, but your debt and relationship with money are KEEPING YOU from living your greatest life.
You’re a go-getter who has BIG DREAMS and wants to live life on your own terms, but your debt and relationship with money are KEEPING YOU from living your greatest life.
You don’t know how you can get out of debt as expenses keep getting bigger and you can barely make ends meet with your current income, let alone save.
Hundreds of our members have felt exactly the same before following our time-tested, easy to follow, proven method that can get anyone (with the desire to do so) out of debt, faster than you can imagine, and without needing to earn more, take another job, or start a business.
Get the mentorship and accountability you need to get out of debt faster than you could be doing it on your own. With a 97% success rate, we don’t leave anyone behind!
Feel like you can’t get out of debt alone?
You don’t have to!
The Debt Free Society is an online sistermind + “mentor”ship that provides women with the guidance, accountability and support they need to heal their relationship with money, slash their debt, grow their savings, and regain their confidence about life…in a safe space that is culturally affirming and grounding.
Because we know that information alone isn’t enough to transform anything in your life, especially your finances and your biggest dreams.
You probably already know “the theory” but it hasn’t worked for you. Everyone tells you to save 10% of your income and you’ll be fine, but what if you can’t just do it? You need more than general advice, you need a clear path, a clear system + a group of supporters to keep you on track.
As Seen In
Why Debt Free Society?
Will this work?
You’ve probably struggled with debt all of your adult life. You’re not a stranger to living paycheck to paycheck, but you somehow managed, lived, and even achieved a lot.
But you’ve been doing it with a lot of stress, with a lot of uncomfortable calls, and without fully enjoying life as you always wanted.
The short moments where you had a surplus of cash (and peace of mind) quickly went away leaving you again, in the struggle for raising your income or in trying to figure out new ways to save.
What if you could put a stop to this and completely reinvent your life and become that person who always has money, always has an emergency fund, and lives debt-free?
This is not just another money information group coaching course that gives you a few strategies and lets you apply them on your own.
We are a money + life coaching sistermind + “mentor”ship rooted in the science of guided and deliberate practice. It means we’re going to tap deep into the psychological triggers that people who don’t have debt, can save, and invest, use every single day. We’ll help you become one of those people who can proudly state they don’t have any debt and can do whatever they want.
How we
Do It
Well, for starters.
Rather than overwhelm you with EVERY money topic under the sun, we cut through the money clutter and noise to help you build an unbreakable financial foundation:
You master your money mindset and remove any blocks and sabotaging behavior.
You accelerate your debt elimination with daily actions.
You jumpstart building your savings as effortlessly as possible .
You reconnect with who you are and find new, powerful motivation.
And it’s designed to work for you even if you’re incredibly busy and only have a few hours per week to invest in setting yourself free from debt!
You owe it to yourself.
More than that, you need to get out of debt to be truly free to:
...start enjoying life more without the painful stress of not having enough
…say NO to that toxic relationship, the dead-end job, and the fake friends
…start traveling, giving back to the community, and retiring your loved ones
And also to never, ever, have to go through the grueling process of asking for money from friends and family, or even worse, not being able to pay them back.
All it takes right now to change things FOREVER is to make one single decision, one important investment that will set you free.
“We are a mentorship site, not a membership site”
There are too many distractions when it comes to personal finances. There is information overflow around every new tab you open or free download you opt-in that promises to transform your finances (and never really does, does it?)
And they all sell dreams because they only give you information.
But when was the last time that information alone transformed any part of your life in any way?
Has information alone made you change your diet?
Has information alone made you budget consistently?
Has information alone made you save consistently?
Has information alone made you invest consistently?
Has information alone made you build an emergency fund effortlessly??
Has information alone made you start your side hustle without procrastination?
No.
Having people around you to keep you on track has. The answer is
ACCOUNTABILITY.
Accountability is what moves a dream to an action plan that is EXECUTED.
Accountability is what moves your finances from messy to managed.
Accountability is what gets you to any goal faster.
There is NO woman lacking an intuitive understanding of how to master their money and their mindset.
You can GOOGLE most of the answers. Even the simple advice, if applied consistently will get you further than you are today.
But you can’t GOOGLE support, the focused attention, the sisterhood, the confidence, the “aha” moments that come from consistently showing up to do the work day in and day out, month in and month out.
There’s probably nothing like this out there, designed specifically for women who want more out of life.
And that’s because I have turned the financial education model on its side.
Rather than me continuing to teach you as the sage from the stage, which would still work, but not at the high level I want it to, I am taking money teaching to the (next) effective level.
And I invite you to roll up your sleeves and join us to apply sustainable, affirming, focused strategies that will get you out of debt and into abundance, joy, and peace.
About Your
Instructor
Hey there! I’m Kara Stevens, founder of The Frugal Feminista, an award-winning personal finance and personal development company. As an author, speaker, and highly sought-after financial coach and consultant, I’m dedicated to helping women achieve financial freedom and confidence.
My path began with $65,000 in student loans and credit card debt, which I managed to overcome. Now, I’m committed to showing others how to do the same.
I developed the Financial Fullness Framework, a trauma-informed curriculum designed to help BIPOC communities heal their relationship with money. This framework has empowered over 40,000 women to ease their financial burdens, build wealth, and let go of money-related guilt and fear.
My work has been featured on Yahoo Finance, Women’s Day, Black Enterprise, NBCLX, Nerd Wallet, The Washington Post, and The Huffington Post, allowing me to reach a wide audience with practical advice and a deep understanding of the emotional side of money.
I’m also the author of three impactful books: Heal Your Relationship With Money, Unmasking the Strong Black Woman, and The Happy Finances Challenge. Each book offers unique insights and strategies to help readers transform their financial lives.
As a coach and consultant, I blend tough love with compassion, pushing women to move from fear to confidence and from inaction to action. I believe that when women tap into their greatness, they can redefine success, wealth, and value on their own terms.
I can’t wait to work with you to transform your financial life and help you achieve the abundance you deserve!
Stop Living in Debt.
In the Debt Free Society, we get to work.
You’ll do more in 2 months than you’ve done in 2 years when we work together to get you out of debt.
YOU will complete a budget every TWO weeks (you’ll see how powerful this is)
We will track and analyze your net worth so you know what you have to do to get closer to your next wealth goal.
You will receive weekly reminders for you to:
Track and share your purchases
Notice and reflect on your spending triggers
Celebrate your wins (this is important)
Feed your faith on your money and life plans so your ABUNDANCE in OVERFLOW is part of your daily practice and top of mind/integrated into your life and not just something that sits on a beautiful vision board in the corner of your office.
You will do all that and it will still only take you less than a few hours every week so you still have time for your work, your family, and the things you love doing.
Get all the support you need!
We make sure you stay inspired and informed about ABUNDANCE in OVERFLOW with OUR monthly Abundance Ambassadors who are our community experts focused on your joy, self-worth, and wellness. Our Abundance Ambassadors are subject matter experts (SME) will lead monthly firechat chats, workshops, and masterclass on topics like:
- Sensuality
- Minimalism
- Purpose
- Joy
- Travel
- Self-care
- Body Positivity
- Love in all forms
- Sensuality
- Minimalism
- Purpose
- Joy
- Travel
- Self-care
- Body Positivity
- Love in all forms
And other monthly topics that speak to our money goals
READY to FINALLY LIVE OUT YOUR
dream life?
Attention! Because I want to serve everyone in this challenge at the highest level possible, there are limited spots available in this cohort and I expect them to go fast, so grab your seat now!
The
Debt Free Society is an 8 week Debt Elimination Accelerator, Sistermind, and Mentorship Experience
ACCESS: The Debt Free Society is a trauma-informed self-paced curriculum that will allow you to:
MODULE 1
Heal Your Relationship with Money
In this transformative module, you'll uncover the deep-rooted beliefs about money holding you back. You’ll also learn empowering strategies to cultivate a positive and abundant mindset toward finances, paving the way for lasting prosperity and fulfillment.
MODULE 2
Organize Your Financial House
Get ready to reclaim control of your financial destiny! You’ll discover and implement practical tools and expert techniques to streamline your budgeting, track expenses, and set up effective systems for managing your money with ease and confidence.
MODULE 3
Understand the Psychology of Debt
Dive into the psyche of debt and emerge with a newfound understanding of its grip on your life and why it keeps coming back (so you can stop it)Learn powerful tactics to break free from the cycle of debt, reframe your mindset, and pave the way for a debt-free future filled with financial freedom and peace of mind.
MODULE4
Delete the Debt
Say goodbye to debt stress and hello to finally feeling free with a healthy savings account that will protect you from ever borrowing money again! You’ll strategically tackle and eliminate debt using proven methods, so you can take control of your financial destiny and live the life that you’re dreaming of but can’t because of debt.
MODULE 5
Save with Intention
Transform your saving habits from haphazard to intentional by using innovative strategies to set achievable savings goals, create a foolproof savings plan, and harness the power of mindful spending. You’ll master the tools that will help you build wealth and secure your financial future with new-found clarity and unshakeable confidence.
The Debt Free Society Wellness Workbooks:
Go into each module equipped with powerful self-coaching tools designed to foster deep self-awareness, guide your emotional and financial goal-setting, and propel you swiftly along your journey towards debt elimination. I’ve created this to help you identify all the blocks, limiting beliefs, and feelings that are stopping you on a daily basis. It gives you powerful frameworks that will make it easy for you to advance and see results fast.
Bonus #1
PEER COMMUNITY COACHING AND ACCOUNTABILITY IN A PRIVATE FACEBOOK GROUP
Join me for dynamic live coaching sessions every week, where I'll personally address your questions, provide invaluable insights, and offer unwavering support to ensure your success. This is where a lot of the magic happens. As you start to apply what you learn, new questions will come to you and unique, specific challenges will arise. In these sessions you can ask your questions, get customized advice, learn from others, and stay inspired. Most of my students take huge leaps after each of these sessions. (Value: $1,000)
Bonus #2
ABUNDANCE AMPLIFIER WELLNESS CHATS
Immerse yourself in monthly Abundance Ambassador wellness fireside chats led by a renowned wellness expert, where you'll find encouragement, fresh perspectives, and invaluable support to turbocharge your debt elimination journey. You’ll learn incredible skills that will serve you in your challenge to get rid of debt but also in many other aspects of your life, so you can level up and enjoy a life you’ve only dreamt of. (Value: $1,000)
Bonus #3
DEBT BE GONE LIVE GROUP COACHING:
Participate in bi-weekly LIVE budgeting clinics, where you'll receive practical guidance, personalized advice, and real-time assistance to master the art of budgeting and accelerate your path to financial freedom. This is where we roll up our sleeves and go into the details. This is what most other courses in the financial niche lack and why their students don’t get results. This is where you fix what might now be working and improve on what is working. No BS, just pure value. (Value: $2,500)
Bonus #4
MONEY + SISTERHOOD POWER COMMUNITY
In our private Debt Free Society community forum—a warm, supportive container, you'll find encouragement, guidance, and a cheering squad ready to celebrate every step of your journey toward financial freedom. Join us as we lift each other up, share insights, and embrace the power of collective progress. (Value: $1,000)
Bonus #5
ACCESS TO OUR ABUNDANCE ARCHIVES VAULT
Dive into our curated archives, where wisdom flows freely and insights abound, guiding you on your path to financial empowerment and personal growth. (Value $2,000)
Fast-Action Bonus
One-on-One MONEY MAPPING
The first ten (10) women to join The Debt FREE SOCIETY and pay in full will get a FREE 60-minute one-on-one money mapping session with me. (VALUE: $3000)
Limited Spots Available to Keep the Group Focused!
Look at Everything You'll Get Immediate Access to Inside Debt Free Society
Pay in full
*EARLY BIRD PRICING*
$1997
$497
WHAT YOU GET:
2 Months of the HEALED MONEY Framework: Money + Life Transformation with Kara Stevens
5 Self-Study Training Modules Covering The HEALED Money ® Framework
Weekly Lifework Assignments to Help You Eliminate Debt, Save More, and Heal with Grace
Digital Debt Free Society Self-Coaching Workbooks With Guided Exercises to Create the Finances + Life of Your Dreams
BONUS #1: Peer Community Coaching and Accountability in a Private Facebook Group ($1000 value)
BONUS #2: Debt Be Gone Live Group Coaching ($5000 value)
BONUS #3: Monthly Abundance Ambassador Fireside Chats ($1000 value)
BONUS #4: Biweekly Budget Breakthrough Clinics ($2500 value)
BONUS #5: Access to the Abundance Archives with Additional Trainings, Tools, and Guides to Help You Uplevel Your Mindset + Money Mastery (value $1000)
PAY IN FULL BONUS: Private Money Mapping with Kara to Create Your Quarterly Money Plan (for the first 10 only)
2 monthly payments
*EARLY BIRD PRICING*
$597
/month
$297
/month
WHAT YOU GET:
2 Months of the HEALED MONEY Framework: Money + Life Transformation with Kara Stevens
5 Self-Study Training Modules Covering The HEALED Money ® Framework
Weekly Lifework Assignments to Help You Eliminate Debt, Save More, and Heal with Grace
Digital Debt Free Society Self-Coaching Workbooks With Guided Exercises to Create the Finances + Life of Your Dreams
BONUS #1: Peer Community Coaching and Accountability in a Private Facebook Group ($1000 value)
BONUS #2: Debt Be Gone Live Group Coaching ($5000 value)
BONUS #3: Monthly Abundance Ambassador Fireside Chats ($1000 value)
BONUS #4: Biweekly Budget Breakthrough Clinics ($2500 value)
BONUS #5: Access to the Abundance Archives with Additional Trainings, Tools, and Guides to Help You Uplevel Your Mindset + Money Mastery (value $1000)
PAY IN FULL BONUS: Private Money Mapping with Kara to Create Your Quarterly Money Plan (for the first 10 only)
Testimonials
“My session with Kara was very informative. What I really liked was that she didn't offer generic advice, she asked what I wanted to do, what my goal was. I believe she got an understanding of what my vision is and directed me from there. Kara listened and asked questions, and because of that I truly value the information she provides.”
Christina Lattimore
“I will officially be debt-free tomorrow!!! I can’t believe it! And I have you to thank for helping me release (some)fear around not having enough and paying this thing AWF!!! 🙂 I don’t OWE anybody anything!! It is so freeing to be able to say that! And just wondering, have you sent your schedule of availability yet? I’m so ready for our next session!"
Stephanie L.
“Kara, thank you. The financial coaching session helped me a lot. I'm glad I can now identify belief systems that were keeping me in a "low abundance" mindset. I'm feeling confident with the changes I'm making about saving and spending. "Budget" is no longer a bad word LOL. More than anything you reminded and encouraged me to tap into the self-awareness that tends to be forgotten about during our busy lives. I now feel more secure in the direction I'm going personally and financially. You are a real gem and it was a great experience!”
Kim Renee
“It feels great to have control and to think first, before spending. I'm focused on continuing to make mindful choices, especially during the upcoming holiday session where the temptation to "shop until you drop" will be everywhere.”
Nathasha G
Why invest in a course about money when you’re already in debt and could use the money to pay off debt?
Because if you’ve ended up in debt once you will do it again if you don’t fix your relationship with money, implement powerful and healthy budgeting and saving habits, and don’t understand what got you here.
And because you’ll probably save more than you’re investing in this program in just a few weeks through the methods you’ll learn to apply for the rest of your life, leading to you becoming free of debt and feel the joy of financial safety and abundance.
And because you’re investing in being able to create the future you want and you’re willing to stop pretending that there’s no problem to fix.
You’re doing this for you, for your kids, for your family, and for your legacy, if you want to build one.
Only 50 Spots Available
This program is for you if:
You feel like you're constantly robbing Peter to pay Paul, unable to fully enjoy the present moment due to worries about your debt.
Your mental and emotional well-being is suffering because of the crippling debt you owe.
You are still living paycheck to paycheck because you’re deep in debt.
You are longing for the freedom to make choices based on your passions and desires, rather than being limited by the constraints of debt.
This program is not for you if:
You are not ready to commit to making significant changes in your financial habits.
You are already debt-free and have no current financial struggles.
You prefer to handle your financial situation entirely on your own without external support or guidance.
The Frugal Feminista Results-Based Guarantee
We don’t believe in selling you a program and hoping for the best.
We believe in results.
Debt Free Society is designed to walk you step-by-step through becoming debt-free—with real support, real structure, and real accountability.
And we stand behind that.
That’s why we offer a results-based refund guarantee.
If you fully commit to the process and it still doesn’t feel like the right fit, we’ve got you covered.
Here’s How it Works:
To be eligible for a refund, you must:
> Complete the full course
Go through all modules and implement what’s taught.
> Stay engaged throughout the program
Attend at least 80% of the live coaching calls (or watch the replays).
> Do the work
Complete and submit all homework and action steps.
If you’ve shown up, done the work, and still feel like Debt Free Society wasn’t the right fit—you have seven days to make a refund request and we’ll honor your refund.
Why We Offer This
Most people don’t get results because they don’t finish what they start.
This guarantee is here to support you in actually following through—while giving you complete peace of mind when you join.
CLAIM YOUR SPOT IN THE DEBT-FREE SOCIETY TODAY
Before the price goes up and the doors close
Frequently asked questions about the
Debt-Free Society Today
How much time do I need to dedicate to this program?
The Debt Free Society is designed to fit into your busy life. You'll need to dedicate 3-4 hours per week to fully engage with the materials, live sessions, and community. But remember, this is an investment in your financial future, and even a small time commitment can lead to huge results.
Is this program suitable for everyone, regardless of financial situation?
Absolutely! Whether you're struggling to make ends meet or simply want to improve your financial habits, this program is for you. The Debt Free Society provides personalized guidance and support, no matter where you are on your financial journey.
When is the next cohort starting?
We are currently enrolling for our upcoming cohort of 50 amazing women. The spots are filling up quickly, so don't miss this opportunity to join a supportive community and gain financial freedom. We don’t know when (or even if) we will open this program again so enroll now to secure your place!
How does the Debt Free Society differ from other financial courses?
We're more than just information. The Debt Free Society combines education with accountability and community support. You'll not only learn proven strategies for debt elimination and saving, but you'll also have yours truly (Kara) and a group of like-minded women supporting you every step of the way.
What if I'm not satisfied with the program?
At The Debt Free Society, we partner with women who are ready to step fully into the life and finances of their dreams. Our program is designed for those who are committed to doing the work and embracing transformation.
Because you receive immediate access to all program materials, coaching sessions, and resources, all sales are final, and we do not offer refunds.
We encourage you to make your decision thoughtfully and join us only when you feel ready to fully engage. The women who see the most powerful results are those who arrive clear, committed, and ready to do the work—and that’s exactly who this space is designed for. If you’re unsure, we’re happy to answer any questions so you can make the best choice for yourself before enrolling.
How do I know this program will work for me?
The Debt Free Society boasts a 97% success rate, thanks to our comprehensive approach and unwavering support. Our time-tested method has empowered countless women to achieve financial freedom, and we're here to guide you toward the same success.
Still Have Questions?
Our team is always here to help! Reach out to us at support@debtfreesociety.co
and we'll be happy to answer any questions you may have.
Let's crush those financial goals together! Join The Debt Free Society today.
The Debt Free Society
a BIPOC woman's soft space for debt elimination + financial healing