The goal is to gain knowledge, develop skills and learning how to make money work for us rather than us working for it. Through this blog, we would like to share interesting and practical ideas, from around the world, to live a sustainable and healthy lifestyle while enjoying every moment of it.



Let me first tell you a little about my team. We are a group of four students (school and university) and our goal is to lead simple, happy and debt-free lives. We have plans of financing our education without parental support and are trying to reduce the necessity of prospective education loans.

Through this blog, we’ll try to share some great insights into our practices of simple and healthy living and ways of maximizing our earnings and savings.

My teammates are very driven and enthusiastic about this project. And I hope we will be able to deliver high-quality content on a regular basis.

So, welcome on-board our journey through our innovative ways of living and debt-free lives.



P.S. You can read more about us here.

49 replies to Manifesto
  1. Amazing to see such young people actually talking about leading debt-free lives! In a society full of charge now-pay later, 0% down advertisements, and the infamous SallieMae knocking o every door, it’s refreshing to see people taking control of their finances. I’m a big believer in being debt-free and I enjoy educating and teaching people how to do just that. Keep up the simple, happy, debt-free living and encourage the next generations to do the same. Thanks for visiting my blog and keep an eye out for my financial blog I’ve been working on and will soon be launching.


  2. Written for an earlier age—

    ‘The Richest Man in Babylon’ (George S. Clason)

    —should be compulsory reading in every high school today …


  3. Hi there – I’ll try not to bore you to tears. You are a very lucky girl. I grew up as the second child (by five minutes, I have an older identical twin brother) in a large Catholic family where my mom stayed at home and my dad worked. We didn’t have loads of money but we had enough since my dad was an engineer. My twin brother and I were both very bright and we started kindergarten at the age of four. I graduated from high school at 17 at which point by parents more or less told me that I could go to any college that I could afford and that they would help me out when they could. I ended up going to a state college where I emerged four years later owing about $1,500 and paying that off within a year of graduation. I worked most of the time when I was in college with some jobs better than others. The day after I graduated I hopped on a plane and started a job working in the United States House of Representatives as a legislative aide. I was a lucky kid because I had almost literally stumbled into receiving a fellowship that let me work on “The Hill” for three months during my last semester of college. While I was staring good fortune in the face, I figured I could get the “Washington Experience” worming my way into embassy parties and the like (I was actually asked to be the guy who accompanied the Queen of the Cherry Blossom Festival – I turned it down) or I might be able to work my way into a job and I knew which one I wanted. I put that fellowship to good use by doing every job that no one else wanted to do in the office where I worked. I did it as quickly and efficiently as possible and with the biggest smile on my face that I could find. In other words I made myself indispensable. Two weeks before graduation, thinking I might have to sell insurance, I got the call to do real work in Washington. It turned out that I didn’t like Washington all that much but the love of politics has stuck with me for quite some time now. Eventually after being out of school for 15 years I returned to go to law school and once again I had the goal of coming out debt-free. Fortunately I wasn’t married and didn’t have any kids because I nearly killed myself for three years between studying and working and eating and sleeping and not much else. I knew where I wanted to live after graduation and that I needed exceptional grades to get a job there so I really had to bust my butt to get my rusty brain working again. Everything paid off when I graduated once again nearly debt-free and highly-ranked enough in my class to get the job that I wanted. I’m nothing particularly special. I was bright but so are lots of people who were plenty smarter than I am. I think the one thing I’d like to say to you is that you need to stay focused on what you want and by focused I mean intensely focused, single-mindedly focused, almost but not quite obsessively focused. When you reach your goal enjoy it and then go find another one. If you do that, you can get what you want. Best of luck to you.


    1. Thank you so so much! loved your story 🙂 And yes, I try to be as focused as I can!! Hope my plans work out in a way I want them to…And thank you once again for the inspiration..
      Turns out we have something in common; even my dad is an engineer, a metallurgist to be exact..

      Thanks for visiting 🙂


  4. I wish I’d been as smart as you when I was your age! I am learning frugality, simplicity and doing it myself some 40 years down the road. The best thing is no debt and the second best thing is living simply. After all these years of listening to “you need this to be happy” it is wonderful to find that you don’t need anything to be happy. You just be happy. Many wishes!


  5. Ah, acceptance of personal responsibility: the hallmark of leadership! You and your friends have much to offer the world, I suspect. Your dedication and commitment to writing is another illustration. Keep up the good work, Ananya.


  6. Good luck. I paid for four years of college through hardwork and some obscure grants I found. Most of the grants were only a few hundred dollars at a time, but every little bit helps. When I was done with college I only had about $5000 in debt, which is a huge difference compared to most people and I quickly paid that off.


  7. My parents financed two years of college, I paid for two years by working in a factory and the G.I Bill paid for the second degree. No loans. Now everyone can get help without going to war for it and too many are discovering such help is expensive…you all seem to be on the right track. Of my own three methods, parents was the easiest but seems largely foreclosed for many now. I don’t recommend going to war, which leaves work. It’s hard…I worked full time nights for full time day classes…so it pays to be sure the courses you take are worth something.
    Recalling that has made me want a nap…I never had enough sleep!
    I wish you success!


  8. Ananya,

    You have an insightful outlook on life — Way above and beyond your years, I would say 🙂

    With your gifts, I am sure you will go far in this life.

    I wish you much happiness and success in all future endeavors !

    Oh, and thanks for visiting one of my blogs at ‘Self-Published Authors To Traditional Publishers: “You had your chance.” ‘

    Your Friend,


  9. Wonderful idea to get through education debt free!! Debt is the shackles of the modern world for imprisoning the masses of individuals, whole countries and institutions to the illusion of freedom where in reality it is simply slave labour!! Good luck with your journey!! have a wonderful day!!


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