Hi There!

We’re Greg and Holly Johnson, the creators of Club Thrifty. We’re happily married parents of two beautiful children, in our late thirties, and living the dream!

While we used to work in the mortuary business, we now earn a living online. We’re bloggers, speakers, travel junkies, and professional writers. And we have one hell of a life.

Over the past decade, we’ve:

  • Traveled to dozens of countries
  • Paid off every ounce of soul-sucking debt we had (aside from a small mortgage)
  • Paid off a rental property in cash
  • Saved five figures for our daughter’s college education
  • Learned to save more than half our income
  • Sipped cold beers on some of the world’s most beautiful beaches
  • Snorkeled with sea turtles, dolphins, and stingrays
  • Explored the ruins of ancient civilizations
  • Showed our kids they can achieve all their dreams and more


And we did it all on a regular income.


It didn’t happen overnight. Years ago, we struggled with debt and money-related stress. We spent more than we earned, never knew where our money went, and wished for a different life every day.

Eventually, our prayers were answered and we had a lightbulb moment.

If we could get our money straight, we thought, we could afford the life we wanted. If we could pay down debt, we would literally have thousands of extra dollars to save and spend on fun each month.

If we could change the way we thought about money, we realized, we could change our lives.

And that’s when it clicked.


Over the course of a few months, we discovered an amazing tool that helped us accomplish nearly all our financial goals – zero-sum budgeting. We learned to cut waste, spend less, and use the money we earned wisely.

While paying off $50,000 in car loans, student loans, and consumer debt wasn’t easy, it was the best thing we’ve ever done. Because once we became debt-free, we discovered something amazing – that when you’re not wasting money on debt and poor spending habits, you can afford to live.

If you’re curious to learn more, our start here page can guide you down a similar path of debt freedom, travel, and fun. You may also want to check out our Money Center, Travel Center, and Guides Section.

Thanks for reading!

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