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 minimalist debt-free living. Available from 6th of June 2019. Sign-up below to get a special offer before the release date:

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. Introduction.
  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. Learn how you can potentially minimise your interest.
  8. Calculate your minimum viable income.
  9. Build a dynamic monthly budget.
  10. Embrace minimalism to create extra cash.
  11. Conclusion.

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.

Note: this is a proposed lesson plan, and is subject to change as the course is developed. If you have suggestions of what you want to see in this program, sign up to our waiting list and email us directly.


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 one: 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 two: 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 three: 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 four: 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 five: 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 six: learn how you can potentially minimise your interest

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

Lesson seven: 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 eight: 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 nine: embrace 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.


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 over 60,000 people each month to live with less stuff and more compassion. I've personally overcome the burden and clutter of living with debt, and it's now my goal to teach people how to use the concepts of minimalism to embrace debt-free living.