Minimalist Money by Michael & Maša Ofei

Minimalist Money

A simple step-by-step framework to help you clear your soul-crushing debt and embrace the philosophy of debt-free living.

It's time to finally get out of debt and change your relationship with money.

If deep down inside, you’ve always wanted to…

  • Understand how your choices today impact your opportunities tomorrow.
  • Remove the burden of debt from your life.
  • Not let money dictate your happiness.
  • Proudly pursue less instead of more.
  • Redefine your definition of wealth.
  • Feel comfortable discussing your financial situation with others.

…then this course is for you!

In this 11 lesson program, I’ve included everything you need to know about Minimalist Money. Here's what you'll learn in the course:

  1. Getting started.
  2. Use minimalism to change the way you think about debt.
  3. Identify the root cause of your debt.
  4. Set a life-changing goal.
  5. Quickly build an emergency fund.
  6. Record, organise and track your debt.
  7. Minimise your interest.
  8. Calculate your minimum viable income.
  9. Create a dynamic monthly budget.
  10. Leverage minimalism to create more cash.
  11. How to keep the Minimalist Money system going.

Each lesson is accompanied by the Minimalist Money Master Spreadsheet, which is a custom-built done-for-you Google Sheet to help you get on top of your debt.

Lesson one: getting started

In this lesson, you'll get to know me, your teacher, Michael and why I created Minimalist Money, as well as an overview of the best ways to approach learning the content in this course.

Lesson two: use minimalism to change the way you think about debt

In this lesson, you'll learn the definition of minimalism, examples of clutter, and how debt and minimalism are related.

Lesson three: identify the root cause of your debt

In this lesson, we'll go through an exercise to help you understand your historical decision making and re-build your relationship with money.

Lesson four: set a life-changing goal

In this lesson, you'll learn a framework to create a meaningful goal to keep you motivated on your journey to debt-free living.

Lesson five: quickly build an emergency fund

In this lesson, you'll learn what an emergency fund is, how to create one, and when to use it.

Lesson six: record, organise and track your debt

In this lesson, you'll learn how to find and input your data into the debt tracking template. You'll also learn how to prioritise your debt and create a targeted payment schedule.

Lesson seven: minimise your interest

In this lesson, you'll learn two strategies to help you reduce your interest liability for your debt.

Lesson eight: calculate your minimum viable income

In this lesson, you'll learn how to challenge how much you think you need to live versus how much you actually need to live.

Lesson nine: create a dynamic monthly budget

In this lesson, you'll learn how to use the dynamic monthly budget template to make accurate forecasting of your debt repayment schedule. 

Lesson ten: leverage minimalism to create extra cash

In this lesson, you'll learn how to use the power of minimalism to speed up your debt repayment schedule.

Lesson eleven: how to keep the Minimalist Money system going

In this final lesson, you'll learn examples of how to use these steps to make iterations to your Minimalist Money Master Spreadsheet as you work towards getting to debt-free and beyond.

Did someone say accountability?

Minimalist Money will also come with a private Facebook group to provide the support you need to live an intentional debt-free lifestyle. We look forward to cheering you on from the sidelines!

Meet Your Teacher

Hi, I'm Michael Ofei, co-founder of The Minimalist Vegan, a lifestyle blog that inspires people every day to live with less stuff and more compassion. After struggling for a decade to make progress with my debt, I finally cracked the code and cleared over $20k in just 6 months! It's now my goal to teach you how to use the concepts of minimalism to embrace debt-free living.


Will this course actually help me pay off my debt?

Absolutely! As long as you have some (even little) income coming in. Minimalist Money is all about changing your spending behaviour to pay down your debt as quickly as possible. Debt is clutter, and it needs to go!

How long will it take for me to pay off my debt?

This depends on your income, expenses and the size of your debt. In lesson six, I'll teach you how to organise your debt so you can make accurate forecasts.

Can I go at my own pace?

Minimalist Money is entirely self-paced. You can complete it in one sitting or take the time to implement the strategies from each lesson.

How long do I have access to this course?

Once you've purchased the course, you'll have lifetime access to it so that you can come back for a refresher at any time.

Will I have to pay for updates to the course in the future?

Nope. You'll see updates in your account as soon as I publish new and updated content. I'll also email you to let you know when there are updates.

What format is the course content delivered in?

The course materials are a combination of video content, written transcriptions, and a workbook in the form of a spreadsheet. So, whether you prefer to read, write, watch, or listen to the content, you'll be set.

What if I want a refund?

I'd never want you to be unhappy with your purchase. If you're unsatisfied for any reason, contact me within 14 days of purchase, and I'll give you a full refund. Only thing I ask is that you try to implement some of the strategies before reaching out.

What equipment/tools will I need to complete the course?

Access to a smart phone or a computer (preferable), spreadsheet software (Google Sheets, Microsoft Excel or Apple Numbers), an email account, and an eager and open mind!

What do I do if I need help?

If you need help with something related to Minimalist Money, please email me directly at