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How To Make A Debt Free Flow Chart | Financial Freedom | Aja Dang Budget

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How To Make A Debt Free Flow Chart | Financial Freedom | Aja Dang Budget

I’m Aja Dang and this is how to make a debt free flow chart to help you on your financial journey. I started using a financial flow chart to help me on my debt free journey as it was a great way to help me pay off my student loan debt. Now, I use it to track my sinking and savings funds and I continue to use even though I am debt free because it’s a great way to stay financially motivated.

I guess you would consider this bullet journaling but even though only really talented people with a great artistic eye tend to bullet journal, this is an easy thing we can ALL do. It can be tailored to your personal preferences and can be used for debt/sinking funds and savings tracking.

Once I have a fully funded emergency fund and have saved up for my sinking funds for the year, I will use this flow chart to start having for a house AND a wedding. Saving money is supppper boring and hard to stay motivated but this is kinda like a game. You’d be surprised how satisfying it is to color in a block because that block represents a mini goal you’ve achieved.

2020 Budget:
2019 Budget:

Elaine Zhao:


Tiktok: AjaDang

It’s time to talk about 5 truths about being debt free on a low income. Debt free living does give you peace, greater flexibility in your budgeting, and more control over your goals. However, it does not mean that you can go out and buy whatever you want.

We’ve been debt free for over twenty years and raised four sons on a less than average income. So, we understand both the joys and realities of what it means to be debt free on a low income.

In this video, we give you hope and a healthy dose of good old fashioned common sense when it comes to financial freedom and how it feels to have no debt.

00:00 – Introduction
01:00 – It Builds Patience
02:50 – Less Stress
03:40 – More Options
05:15 – Easier to Budget
06:55 – Better Communication
08:50 – It’s Hard Work
11:11 – Free Debt Tracker
12:01 – Bloopers

FREE RESOURCE: financial goal trackers:



○ 5 Lies About Being Debt Free:


• Menu Planning Made Easy:
• Debt-Free Christmas Binder:
• Personal Finance Planner:
• Home Energy Savings Guide:
• Teaching Children a Biblical View of Money:


○ Microphones-
Shure Microphones to plug into a mixer: (Great for interviews):
Blue Yeti mic with stand (Our favorite mic for Live Broadcasts) –
○ Studio lights –


○ Our Logo design is by: Sarah Hallam, graphic artist:, contact her at:

○ Discount and Coupon Browser Extensions:
Honey: (Coupon Browser Extension)
Rakuten: (Cash Back!)
Ibotta: (Earn cash back on groceries!)
○ Mailerlite –


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We’re Hope and Larry and we raised our four sons, debt-free, including paying cash for our home (when our salary averaged less than ,000). For tips on saving money, budgeting, paying off debt, and setting goals (while living with a spirit of joy and abundance), subscribe to us here on YouTube and visit us at our website and on social media.

DISCLAIMER: Links included in this description might be affiliate links. If you purchase a product or service with the links that we provide we may receive a small commission. There is no additional charge to you! Thank you for supporting our channel so we can continue to provide you with free content each week!


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Workshop#1 – Increasing Cash flow & Debt Management

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