change your money mindset and demolish your debt.

Led by a licensed therapist, this 8-week individual COACHING program will help you break down the roadblocks that keep you from being debt-free and financially lit.

CURRENTLY ACCEPTING NEW CLIENTS! get immediate access to all course materials and prep work.

Ever wondered why your great job doesn’t allow you to ball out at brunch, buy Beyoncé tickets and still be able to pay down debt in peace? It seems like no matter how much you make, or try to save,

there’s NEVER enough money.

Everyone says “It takes sacrifice to get out of debt. All you need is a budget… ” so then why the heck are you feeling like your bank account is spinning out of control?

You’ve had enough…

You’re super stressed out and you want your life back.

IT SUCKS freaking out every month wondering if you missed any bill payments or even have enough.

IT SUCKS watching people who make less money than you save an insane amount and become debt-free.

IT SUCKS constantly being embarrassed about your finances and wondering if you’ll ever be able to get that house, car, or life of your dreams.

the truth is, you need to stop trying to do this alone.

Not sure if you “need” some assistance? Let me know if any of these sound familiar.

❌You’re struggling with managing debt effectively and saving feels impossible.

❌ You aren’t able to travel with your girls more often, start your side hustle, or do any of the things on your goal list.

Anxiety has become your best friend, because you know as soon as that direct deposit hits, something else is going to pop up. Every month there is a new emergency that your credit card needs to take care of.

❌ You’re screaming “Treat Yo Self,” while your bank account is screaming “There’s food at the house.”

❌ The thought of having to deprive yourself of the things you like to do makes you depressed. What was the point of getting a degree, accumulating all of that debt, only to live paycheck to paycheck and with restrictions?

If you’re shaking your head and wondering how I know your life right now…It’s because I do, and I’m ready to help!

There are 2 things you need to live your best financial life: an actual STRATEGY for spending and paying off debt paired with a MINDSET SHIFT around money.

How would it feel if you spent your days…

🔥Actually getting excited about payday again, because you’re keeping more money than you’re dishing out?

🔥 Having money in your emergency fund when something unexpected pops up?

🔥 Finally being able to stick to a spending plan that you actually love?

🔥 Paying off your debts faster?

🔥 Saying YES to friends when they invite you out for brunch or happy hour without stressing about money or feeling embarrassed?

🔥 Achieving the financial freedom to do more of the things you enjoy doing without having to worry?

Being more confident about your finances and taking back your power and control?

Here’s what my rockstars are saying

“Because of Kristin’s course and help, I’m sitting on $10,000 in the bank in 8 months, I paid off one of my credit cards, I’ve linked every account to have EVERY bill paid on time and I’ve finished my first step to buy a house. Although my student loan debt isn’t close to being paid off yet, I feel really good that I’m being responsible and my debt doesn’t stress me out anymore. Thank her for being obedient to God on her purpose, she has honestly helped me a lot!”

-Chanel B. 

“Kristin helped me face that fear of reaching out to my student loan lenders and letting them know my situation and negotiating the terms. Now I have reasonable payback terms and don’t have to worry about them harassing me. This turned my credit score around and everything that is impacted by that, most importantly my peace of mind.”

–Quinisha A.

“Kristin is very interested in my growth. I have learned a lot and I am very optimistic about my future when it comes to saving and sticking to a budget. I was also able to pay off most of my debt. I only have to focus on my monthly bills now. Kristin has been a blessing in disguise!”

-Tanya A.

Let me help you change the way you think about money and how you operate, for the better.

I want to help you create a clear cut strategy that will allow you to save more, spend less frivolously, and pay down your debt.

Introducing Be Debt Free, the 8-week course and coaching program to pay off your debt with ease and regain your peace of mind.

Would you like me to implement a new spending plan and debt payoff strategy that fits your lifestyle? With my hands-on coaching, we will dispute and reshape any limiting money beliefs you have, break poor money management habits, and create a vision for your debt payoff and overall financial goals.

Together, we will face your fears! First, we will analyze the current debt you’re in, as well as monthly spending. From there, we will create a strategy so you can gain confidence and finally take back control over your finances.

What’s Included

Four (4) bi-weekly individual coaching calls with personalized feedback from me

The Big Payback: Custom spending plan and debt payoff strategy hand-crafted by me at the start of the program and a custom 90-day action plan at the end

Be Debt Free Budget and Debt Tracker Spreadsheets

Lifetime access to all 8 modules including videos, audios, transcripts, & worksheets

Bonus: Private Accountability Community for additional support outside of coaching calls

Week by Week Framework

Weeks 1-2 (STRATEGY)
We’ll discuss your financial goals and establish a game plan for you to succeed
Weeks 3-4 (DETOX)
We’ll be digging deep to uncover past experiences and identifying how they have shaped your current money habits and beliefs

(Delivery of custom budget and debt payoff strategies)

Weeks 5-6 (REHAB)
We’ll be reviewing progress, making adjustments where needed and continuing the mindset work
Weeks 7-8 (RECOVERY)
We’ll be celebrating your SUCCESS and developing an action plan for you to maintain momentum and do ongoing work to continue reaching your goals

Here’s what’s inside the course:

MODULE 1: Creating a Winning Mindset
You will learn about how your limiting beliefs are holding you back from achieving your money goals, how to dispute these beliefs, the power of positive thinking, and how your money attitudes and relationships with money have been shaped over time.
MODULE 2: Vision for your Finances
You will discover how to create vision for your debt payoff and finance goals, learn how to create SMART debt payoff goals, and how to prioritize and re-evaluate them over time.
MODULE 3: Know your Numbers
You’ll finally face your fears and get an accurate account of how much debt you’re in and analyze your actual spending. Knowing your numbers will allow you to prep for strategy creation.
MODULE 4: Building Blocks
You’ll learn how to find ways you can cut expenses, learn how to identify your actual needs vs. wants, how to build a decent emergency fund fast, and create a bomb budgeting system that is aligned with your debt payoff goals.
MODULE 5: Debt Rundown
You’ll learn all you need to know about debt including the most common types, the difference between installment and revolving debt, and tips on how to handle each specific type.
MODULE 6: Demolish that Debt
You’ll learn proven payoff methods that will turn your wasting into demolishing. You’ll also learn how to communicate effectively with your lenders.
MODULE 7: Side Hustlin' to Slay Debt
You’ll discover creative side hustle ideas and what to do with the extra coins so that you can payoff your debts even faster.
MODULE 8: The Wrap Up
It’s time to celebrate! You’ll learn how to continue building momentum with your debt payoff journey, how to stay on track and out of debt for good, and what’s next: doing more of the things you love, wealth building, and planning for retirement.

**Fast Action Bonus**

Register by August 17th and receive my Credit Repair 101 Masterclass, free! ($47 value)

Credit Repair 101 teaches you about how credit works and ways that you can repair and rebuild your credit over time so that you’ll be able to have a bit more leverage in the credit world.

Topics Covered:  Types of Credit, Cleaning Up Your Credit Report, Breakdown of Your Credit Score, How to Manage Credit Responsibly Over Time & Turn Everything Around

The investment for Be Debt Free is $547 or 2 monthly payments of $297

Interested in the course ONLY? (no coaching or custom strategy)

*Get lifetime access to all 8 modules including videos, audios, transcripts, & worksheets and spreadsheets*

Kristin Sutton, LPC is a money therapist that helps fly, young women change the way they think about money so they can pay down debt for good. As a licensed therapist, her daily mission is to uncover and eliminate the mental roadblocks that hinder people from achieving their goals and living the life of their dreams.

4 years ago, she was depressed, swimming in debt and on the verge of homelessness. She shifted her money mindset completely. As a result, she went from ducking and dodging phone calls from bill collectors, to paying off over $10K in debt in just a matter of months while on a struggle bus salary. Kristin currently teaches and coaches clients in her Be Debt Free program and helps them regain confidence in themselves and their finances.

Have any questions about the service? Let’s chat!

Here’s what my rockstars are saying

“Be Debt Free helped me explore my motivations and issues around my bad money habits to better understand and re-learn these things on an “emotional level” and really take them to heart. Really getting to the emotional issues around money helped me a lot and helped re-instill these core concepts for me. I really appreciated this. I also think that her budgeting spreadsheet is one of the best I’ve seen!”

-Lindsey H.

“Before Kristin’s help, I had several different issues. The first one was the fear of checking my account. She helped me to sit down and get real with myself. I opened up an IRA account, within 2 weeks my savings account increased $600, and I now check my bank accounts daily. The budgeting plan Kristin helped me with definitely put me on the path that I needed. I feel more responsible and in control. She was very comfortable and knowledgeable about her expertise and it made me feel safe. I am forever grateful!”

-Vanessa K.

frequently asked questions

What if I don’t even have a solid budget in place?
No need to worry boo. I got you. I’ll be creating a customized spending plan for you that fits your lifestyle at the beginning of the program (coaching option ONLY).
Is this program for me?
Heck yeah! If you’re tired of struggling and trying to figure things out on your own then you NEED this course.
When does Be Debt Free start and finish?
Be Debt Free is self-paced but has scheduled coaching calls throughout the program. You will be scheduling your individual sessions upon registration.
How long do I have access to Be Debt Free?
How does forever sound to you (Drake voice)? Register for Be Debt Free one time and you’ll have lifetime access to all of the course materials and any future updates to the course.
What do I get when I purchase Be Debt Free?
You will receive 4 individual coaching sessions, a custom spending plan and debt payoff strategy, all of the course videos, audio, transcripts, and PDF worksheets. You will also receive the following: Be Debt Free Budget Spreadsheet, Debt Tracker Spreadsheet and access to the private accountability group.

*please note that the coaching sessions and custom strategy is only for coaching option

What format is the course in?
The content material is shared in video, audio, and some written formats along with worksheets. I’ve covered it all!
This program would be an investment for me, is it worth it?
Imagine how much stress you’ll continue to be in and how much time and money you’re gonna waste by not enrolling in the program. You’re definitely getting a good ROI. The key is not how much the course costs, but how much getting the solution to your financial problems is worth to you. There’s no such thing as a solution to a problem being too expensive.

Secure your spot before it’s too late…only 5 spots left!