You Don't Need
More Willpower
You Need a Plan, a System, and People in Your Corner.
The Debt-Free Collective is a monthly membership for couples and individuals who are done making minimum payments and ready to build a real debt payoff plan — with expert coaching, a proven training library, and a community who actually gets it.
Just $27/month • Cancel anytime • No contracts • No pressure
If You're Saying YES to Any of These...
You're in the Right Place.
You've got a debt payoff goal, but no real plan. You're just hoping the minimums add up someday.
You feel like you're working hard and doing everything right, but the debt barely moves.
You and your partner are on different pages about money, or you've just stopped talking about it.
You've made budgets before. They lasted about two weeks.
You don't have anyone to turn to when things go sideways... because who talks about this stuff?
You're tired of feeling ashamed, behind, or like everyone else has it figured out except you.
The Struggle
You don't have a willpower problem. You don't have a discipline problem.
You have a system problem. And you're trying to solve it alone.
That changes today.
The Truth
Introducing
A monthly membership with the training, coaching, and community you need to finally pay off debt — and stay on track.
Most debt payoff advice gives you a list of steps and sends you on your way. The Debt-Free Collective is different.
Inside, you get the same zero-based budgeting and debt snowball framework I teach my private coaching clients — who invest significantly more for one-on-one work — now available every single month for just $27.
And you won’t be doing it alone. Every month, you’ll get live coaching from me, a growing library of step-by-step training, and a private community of people who are on the exact same journey.
Three Pillars. One Powerful Membership.
📚 The 10-Module Training Library
This is the core of the membership — a complete curriculum that takes you from overwhelmed and unsure to confident and in control. Every module walks you step by step through a different piece of your financial life, in the right order.
Each module includes four videos — a personal welcome, a core teaching lesson, a screen-share walkthrough, and a recap with your next clear action step. No fluff. Just what you need.
Module 1: Your Money Story & Mindset — Uncover the beliefs and patterns driving your money behavior. The emotional foundation before any numbers are touched.
Module 2: Money Tendencies & Values — Discover your money personality across 5 dimensions, understand how tendencies interact with your partner’s, and align on the values that drive your plan.
Module 3: Budget Basics — Your Zero-Based Budget — Build a working budget from scratch where every dollar has a job before the month begins.
Module 4: Breaking the Paycheck-to-Paycheck Cycle — Sync bills to paychecks, plan for irregular income, and build the tracking habits that actually stick.
Module 5: Sinking Funds & Found Money — Eliminate “surprise” expenses that derail your plan, and uncover the extra money already hiding in your budget.
Module 6: The Complete Debt Elimination System — Build your full, personalized debt snowball plan — inventory, strategy, visual tracker, and your projected debt-free date.
Module 7: Marriage & Money — The relational deep dive. Build a true financial partnership with a framework for the hard conversations, different money personalities, and navigating conflict.
Module 8: The Hard Middle — Reignite motivation, normalize the difficult middle of the journey, and get practical and emotional tools to keep going when the numbers feel slow.
Module 9: When Life Happens — Handle real-life disruptions — job loss, medical bills, income drops — without permanently abandoning your debt payoff plan.
Module 10: The Final Push — Accelerate through the finish line, plan your debt-free celebration, and look ahead with confidence to what comes next.
All members start at Module 1 — regardless of experience level. The mindset and behavioral foundation in the first two modules is what makes everything else actually stick. This is non-negotiable by design.
💻 Monthly Live Group Coaching + Q&A
Every month, I host a 60-minute live coaching call on a focused — then open it up for your real questions. Bring your messy budget. Bring the thing you’ve been stuck on for months. I’m here for it.
Topics rotate annually so there’s always something valuable no matter where you are in your journey — from building your first budget to surviving the hard middle to crossing the finish line. Every call is recorded and available to watch on your own schedule if you are unable to attend live.
A sample of what we cover each year:
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Building Your Zero-Based Budget From Scratch
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The Debt Snowball in Action — Real Numbers, Real Couples
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How to Talk About Money Without Fighting
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Budgeting on Irregular Income
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Sinking Funds — Stop Letting Surprises Derail You
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When You Want to Quit — Staying the Course
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Holiday & Back-to-School Budget Planning
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Your Debt-Free Plan for the New Year
👥 Private Member Community
The community is not just a bonus — it’s a central part of why this works.
Inside, you’ll find dedicated spaces for every part of the journey:
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Budget Help — questions, category troubleshooting, irregular income, EveryDollar
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Debt Snowball Progress — post your debt-free date, share payoff wins, get cheered on
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Marriage & Money — couples-specific conversations about communication and tendencies
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Mindset & Money Stories — deeper reflection, Module 1 & 2 breakthroughs, singles-friendly
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Accountability — weekly check-ins with pinned tracking resources
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Wins & Celebrations — every milestone celebrated publicly, no matter the size
Because doing this alone is one of the biggest reasons people give up. You won’t have to.
Here's exactly what you'll get...
What People Are Saying
When you have a real plan something shifts.
You stop dreading your bank account. You stop avoiding the money conversation with your partner. You stop watching the debt balance barely budge month after month.
You start knowing exactly which debt you’re eliminating next, and when. You start feeling like a team. You start making real, visible progress and you have people cheering you on while you do.
That’s what The Debt-Free Collective is built to give you.
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!
- Bart & Marissa
- Chelsea & Dylan
So grateful for Tina’s services!! She helped my husband and I get our finances organized and a fantastic game plan for our future. I will continue to recommend her to everyone I know!!
- Kristie & Jared
We were so stressed about our financial situation...Working with Tina created a starting place for us to begin the process of looking at our finances differently and without fear.
The Collective is Perfect For You If...
✓ You’re ready to stop making minimum payments and start actually eliminating debt
✓ You want a step-by-step system — not more generic money advice
✓ You’re tired of money stress affecting your relationship or your peace of mind
✓ You’ve tried budgeting before but need accountability and support to make it stick
✓ You want expert coaching without the cost of private one-on-one sessions
✓ You’re single or coupled — this membership is built for both
This is NOT for you if:
✗ You’re already debt-free with a fully funded emergency fund and a working budget
✗ You’re not willing to do the work — this is a do-it-with-you membership,
not a do-it-for-you service
✗ You’re looking for investment advice or get-rich-quick strategies
If you’re ready to put in the work and finally make real progress?
This is exactly where you belong.
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.
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: you skipped the foundation (your money mindset and values), or you didn’t have ongoing support when life got hard. The Debt-Free Collective fixes both. Every member starts at Module 1 to build the right foundation, and you’ll have live coaching and community every single month to keep you on track.
Does my spouse need to join too?
Ideally you’ll do this together — budgeting as a team is far more effective than one person trying to manage everything alone. But the membership absolutely works for individuals too. All content is intentionally designed for both couples and solo members from the start.
What if I’m completely new to budgeting?
You’re in exactly the right place. Module 1 starts at the foundation (your money story and mindset) and every member works through the library in sequence. No experience needed. Just willingness to show up.
What if I miss a live training call?
Every call is recorded and posted in the Live Training Replays channel within 24 hours. You can watch on your own schedule, anytime.
Is $27/month really worth it?
Here’s one way to think about it: if the training and coaching help you find even one overlooked subscription, redirect one impulse purchase, or pay off a debt even one month sooner — the membership has already covered itself many times over. And you can cancel anytime if it’s not the right fit.
Can I cancel anytime?
Yes. No contracts, no commitments, no pressure. Cancel anytime before your next billing date and you won’t be charged again.
You Have Two Choices
Choice 1: Keep doing what you're doing. Keep making minimum payments with no end date in sight. Keep avoiding the money conversation with your partner. Keep feeling like everyone else has it figured out except you and you're completely alone in this.
Choice 2: Invest $27 this month and get a real plan. Know exactly which debt you’re eliminating first and when you’ll be done. Feel like a team with your partner. Have expert coaching and a community behind you every step of the way. Stop wondering if you’ll ever get out of debt. Start knowing.
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