Stop Living Paycheck to Paycheck—In Just 5 Days
Finally create a budget that actually works (without the spreadsheet overwhelm, money fights, or feeling restricted). Join hundreds of couples who've taken control of their money using this proven step-by-step system.
Just $47 • Next Challenge Starts APRIL 20
If You're Nodding Your Head to Any of These...
You're in the Right Place
You make decent money, but somehow you're still broke two weeks into the month.
Every time you check your bank account, you feel that pit in your stomach.
You and your partner fight about money—or worse, you avoid talking about it completely because it always ends badly.
You've tried budgeting apps, spreadsheets, and "just winging it"— but nothing sticks.
You have debt, but no real plan to pay it off. You're just making minimums and hoping for the best.
When an unexpected expense hits (car repair, vet bill, anything), you panic because there's no cushion.
You feel like you're working so hard... and getting nowhere.
The Struggle
Here's what nobody tells you: You're not bad with money.
You're just missing a system. And you're missing the foundation that makes the system actually work.
That changes today.
The Truth
Introducing
The 5-Day Budget Breakthrough Challenge
The same zero-based budgeting framework I teach my private coaching clients (who pay $1,650 for six months)—now available as a hands-on, guided challenge for just $47.
Here's What Makes This Different:
Most budgeting advice gives you a spreadsheet and says "good luck."
This challenge walks you through the process step-by-step, day-by-day—starting with WHY most budgets fail (spoiler: it's not the math), then giving you the exact system to build one that works.
By Day 5, you'll have:
✓ A complete zero-based budget you created yourself
✓ A clear debt payoff plan using the proven snowball method
✓ A system for timing bills with paychecks (no more scrambling)
✓ Sinking funds set up so "surprise" expenses stop derailing you
✓ A 90-day action plan to maintain momentum
And if you're doing this with a partner? You'll finally be on the same page about money.
(No more fights. No more resentment. Just teamwork.)
Everything You Need to Succeed (Nothing You Don't)
🎥 5 Video Lessons (12-18 minutes each)
No fluff. No filler. Just step-by-step guidance you can watch on your schedule. Each lesson builds on the last so you're never lost or overwhelmed.
📖 Complete Workbook (40+ pages)
Every template, tracker, and worksheet you need:
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Money Personality Quiz (discover if you're a saver, spender, analyst, or free spirit)
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Full Debt Inventory & Snowball Tracker
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Budget Calendar (sync your bills with your paychecks)
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Sinking Funds Planner
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Complete Monthly Budget Template
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90-Day Momentum Plan
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And more!
👥 Private Facebook Community
You're not doing this alone. Connect with other couples and individuals on the same journey. Share wins. Ask questions. Get real support from people who actually get it.
🎧 Private Podcast Feed
Prefer audio? Every lesson is available to listen on the go—while you commute, cook dinner, or walk the dog.
🎁 BONUS: One FREE Month of
The Debt-Free Collective
Get instant access to ongoing group coaching, live monthly calls with me, a growing content library, and continued community support. (A $27/month value—yours FREE for 30 days. Stay for $27/month or cancel anytime.)
Total Value: $300+
Your Investment Today: Just $47
Here's Exactly What We'll Cover Together
Money Mindset & Getting Aligned
Why most budgets fail before you even start. Discover your money story, identify your values, and (for couples) get on the same page BEFORE you write down a single number. This is the foundation everything else is built on.
DAY ONE
Debt Inventory & Snowball Strategy
Face your debt (all of it) and create a clear, motivating plan to destroy it. You'll learn the debt snowball method—the same strategy that's helped millions of people become debt-free—and see exactly when YOU could be debt-free if you stay consistent.
DAY THREE
Your First Complete Budget + 90-Day Plan
Put it all together. By the end of today, you'll have a complete zero-based budget AND a 90-day action plan to maintain momentum. You'll know exactly what you're saving, what you're spending, and what you're paying toward debt. No more guessing. No more anxiety. Just clarity.
DAY FIVE
Zero-Based Budget Framework
Learn the system: give every dollar a job before the month begins. You'll understand the 4 Walls (the expenses you pay FIRST no matter what) and start building your first draft budget. No more guessing where your money went.
DAY TWO
Breaking the Paycheck-to-Paycheck Cycle
Stop running out of money before the end of the month. Learn how to time your bills with your paychecks using a budget calendar, set up sinking funds for irregular expenses, and build margin into your budget so you can finally breathe.
DAY FOUR
What's Next?
The challenge doesn't end when the 5 days are over. Learn how to keep going with ongoing accountability, support, and coaching through The Debt-Free Collective membership (your first month is FREE!).
DAY SIX
Bonus!
This Challenge is Perfect For You If...
✔️ You're ready to stop living paycheck to paycheck and finally get ahead
✔️ You want a budget that actually works (not another spreadsheet you'll ignore)
✔️ You're tired of money fights with your spouse—you want to be a TEAM
✔️ You have debt and need a clear plan to pay it off (not just minimum payments forever)
✔️ You're a complete beginner and need step-by-step guidance
✔️ You want practical tools and real support—not vague money advice
This is NOT for you if:
❌ You're already debt-free with an emergency fund and a budget that works great
❌ You just want someone to tell you what to do without doing the work yourself
❌ You're looking for get-rich-quick schemes or investment advice
If you're ready to put in the work and actually change your financial life? This is for you.
Seeing couples all around me struggle with money inspired me to create something to help more people find peace.
My name is Tina Bunn
I absolutely adore working one on one with people. I love getting to know them and seeing the profound change they experience as we work through the program.
But everyday I see people all around me who are struggling. I see the effects their money problems have on their daily lives. I see that I don’t have the capacity to help everyone through private coaching, and I see that many people can’t afford private coaching.
My husband, Zach, and I felt the difference when we decided to make a change with our money. We no longer live paycheck to paycheck. We no longer feel the stress of our chaotic money habits. When unexpected expenses come up, we communicate and fall back on the system we’ve followed for years.
So, I decided to create this course to help more of you. I wanted to make it as accessible as possible so more of you can experience money in a better way. I know you can change your life through this system, and I can’t wait to hear all about it!
I’ve taken what I’ve learned and created a different kind of money challenge, focused on your relationship and your peace of mind.
- Bart & Marissa
Tina has a very compassionate and pragmatic approach to teaching how to develop and execute a plan to tackle financial challenges. I highly recommend her services and the name of her business, Finances Without Fear, is very appropriate as her guidance has truly removed the fear and anxiety that always accompanied the topic of finances in our marriage prior to working with her. I am so thankful we reached out to her for guidance and I think you will be too!
Your Questions, Answered
I've tried budgeting before and it didn't work. Why would this be different?
Because most budgets fail for one of two reasons: (1) You skipped the foundation (mindset and alignment), or (2) You didn't have a system that fits YOUR life. This challenge fixes both. We start with WHY, then build a custom system that works for you.
Do I need my spouse to do this with me?
Ideally, yes! Budgeting together is way more effective than one person trying to control everything. BUT—the challenge works for individuals too. The content addresses both couples and solo budgeters.
What if I have irregular income (commission, freelance, self-employed)?
Perfect! Day 2 covers how to budget with irregular income. You'll learn to budget based on your lowest month and allocate extra when it comes in.
I'm drowning in debt. Will this actually help?
Yes. Day 3 is entirely dedicated to creating a debt payoff plan using the proven debt snowball method. You'll know exactly when you could be debt-free if you stay consistent—and that clarity is powerful.
What if I miss a day or fall behind?
No problem! All content stays available inside your course area forever. Go at your own pace. There's no "falling behind."
Is $47 really worth it?
Here's how I look at it: If this challenge helps you find just $100 in "found money" (subscriptions you forgot about, impulse spending you cut), it's already paid for itself twice over. If it helps you pay off one debt faster or avoid one overdraft fee, it's worth it. Plus, you get a FREE month of ongoing coaching (worth $27). So yes—it's absolutely worth it.
What happens after my free month of The Debt-Free Collective?
You decide! If you love the ongoing coaching, community, and support, stay for just $27/month. If not, cancel anytime before your second payment. Zero pressure.
When does the next challenge start?
This challenge only runs twice a year. Although you can join The Debt-Free Collective anytime, your next chance for the challenge won't be until September 2026.
When does the next challenge start?
This challenge only runs twice a year. Although you can join The Debt-Free Collective anytime, your next chance for the challenge won't be until September 2026.
The Next Challenge Starts April 20
Don't Miss It
This challenge runs in cohorts so everyone starts together and moves through the material at the same pace.
Cart closes Friday, April 17 at 8:59 PM MT.
Once the cart closes, the next opportunity to join won't be until September.
If you're ready to stop living paycheck to paycheck, don't wait.
Your future self will thank you.
You Have Two Choices
Choice 1: Keep doing what you're doing.
Keep wondering where your money went. Keep fighting with your spouse. Keep making minimum payments on debt with no end in sight. Keep living paycheck to paycheck and hoping something changes.
Choice 2: Invest $47 and finally take control.
In just 5 days, you'll have a complete budget, a debt payoff plan, and the tools to break the cycle for good. You'll stop guessing and start knowing. You'll stop fighting and start working together. You'll stop feeling stuck and start making real progress.
Which choice will you make?
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Ready to get started?
📧 Questions? Email me: tina@financeswithoutfear.com
📍 Fort Collins, Northern Colorado
📲 Follow along: @financeswithoutfear