Welcome to Debt Free Forties, I'm Tana (rhymes with Donna)! I don’t know about you, but I sure thought I’d be set financially when I hit forty! Somehow, it didn’t quite work that way, and here I am, almost at the big 4-0, and still trying to wipe out that debt! I created this blog so we can talk money: paying off debt faster, student loans, budgeting tips, and more! Together, we can destroy our debt once and for all. Are you with me?

Latest Posts

The 18 best cash back apps that will save you thousands!

The 18 Best Cash Back Apps that will Save You Thousands

Everybody I know loves to bring home the spoils of a great sale, if only to brag about how much they saved on their score. And with the holidays quickly approaching, the sales are really ramping up. So now is the time to double down on those bragging rights and ... Read More
Is the Billionaire Blog Club Worth the Investment?

Billionaire Blog Club Review: Is It Worth It?

Updates to the Billionaire Blog Club (11/13/18) This is the last week you can buy a lifetime membership to absolutely everything in DTC (Courses, Journeys, secret Scrivscasts, etc) for $447. On Monday (11/19), the price will jump  $102 to $549. By then there will be a new Journey started (Your ... Read More
Super easy money saving challenge + free printable

Super Easy Money Saving Challenge With Free Printables

Beginning a money saving challenge is a great way to kickstart any of your financial goals. Whether your emergency fund needs pumped up, it's vacation time, or one of the kids needs braces, having a padded savings fund is key to avoiding any new debt. Can you imagine coming back ... Read More
How to Make Money Online: 50+ Brilliant Ways to Make Money Before Christmas

How to Make Money Online: 50+ Brilliant Ways to Make Money Before Christmas

Everywhere you turn, there’s a million articles showing us how to make money online as well as working from home. But a large majority of them are either scams, involve an insane amount of dedication to earn pennies, or you have to pay start-up fees. Yeah, no thanks. As we're ... Read More
Unique and cheap Christmas gifts everyone will love

Unique & Cheap Christmas Gifts Everyone Will Love

Giving cheap Christmas gifts doesn't mean buying ugly, junky presents. Unless you're into that sort of thing. via GIPHY It just takes a bit of creativity to find cheap Christmas gifts that fit into your budget and the gift receiver will love. With some budgeting and planning, you can easily ... Read More
10 simple rules for a no spend challenge

How to Quickly Save More Money: 10 Simple Rules for a No Spend Challenge

One question I get asked a lot as a personal finance fanatic (say that three times fast!) is what the rules of a no spend challenge are. While there are plenty of very specific no spend challenges you can take, it’s a very personal choice as to which one to ... Read More
The differences between a sinking fund and emergency and why you need both

The Beginner’s Guide to Sinking Funds & Emergency Funds
(& Why You Need Both)

As you’ve started diving into sorting out your finances, you’ve probably heard that you need a starter emergency fund of $1,000. You may have also heard some talk about building a sinking fund or two. But what exactly is the difference between an emergency fund and a sinking fund? And ... Read More
How to get out of debt: the exact steps we took to pay off $26,619 in 17 months

How to Get Out of Debt: The Exact Steps We Took to Pay Off $26,619 in 17 Months

If you’re wondering how to get out of debt, look no further. Using the following get out of debt plan, we paid off over $26,619 in debt in 17 months and raised our net worth by almost $50,000. These debt repayment steps will help you to organize your finances and ... Read More
The best passive income ideas to boost your income

The Best Passive Income Ideas to Boost Your Income

As we got serious about paying off our debt and budgeting, we also decided it was time to look into passive income ideas. There’s always overtime at work, or picking up side gigs, but as the kids (and I) get older, the less I want to work 60+ hours a ... Read More
How to boost your credit score quickly

How to Boost Your Credit Score Quickly

Whether you like it or not, your credit score affects your daily life. Everything from getting approved for a loan to getting a job can be dependent upon having a good credit score. This is why it’s important to learn how to boost your credit score and keep it there ... Read More
How to Easily Build the Ultimate Emergency Binder

How to Easily Build the Ultimate Emergency Binder

Our neighbors were recently preparing to go on an anniversary cruise when they realized their printer wasn’t working. She texted me to see if I could print some paperwork for them to put in their in case of emergency binder for their parents, who were watching their kids. Of course, ... Read More
How to update for cheap with chalk paint furniture

How to update for cheap with chalk paint furniture

Want to spruce up your house while on a tight budget? Buying new furniture and decor might be out of the question, but you can always repurpose what you have to save money. That’s why I love to chalk paint furniture. It’s taking what we already have - or have ... Read More
11 simple ways to save money on a tight budget

11 Simple Ways To Save Money On A Tight Budget

When we finally started budgeting so that we could finally pay off our debt, we knew we had to trim some expenses. Our income barely covered our expenses, so we had to find the best way to save money on a tight budget. By saving money on expenses, we had more ... Read More
75 (mostly) free things to do with kids this weekend

75 (Mostly) Free Things to Do with Kids This Weekend

Whether it’s summer break or just an average weekend, we’re always looking for free things to do with kids.There’s just not always a lot of room in the budget to squeeze out a lot for activities. We all know kids can be crazy expensive, thanks to daycare, clothes, and all ... Read More
These are the 9 best personal finance books that will change your life (and aren't Dave Ramsey)

The 9 Best Personal Finance Books that will Change Your Life

From Suze Orman to Dave Ramsey - and every finance guru in between - everyone claims to have the best personal finance books. But how do you find the one that fits your personal finance approach? Whether you love him or loathe him, Dave Ramsey is one of the most ... Read More
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