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

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
50 Free Things to Do on a No-Spend Weekend

50 Free Things to Do on a No-Spend Weekend

One of the first things that gets cut from every budget is expensive activities, right? Out the door goes all the lattes and visits to the movie theater. But finding free things to do turns out to be a lot easier than expected. It’s important to find free things to ... Read More
Easy & Healthy Grocery Budget Strategies that will Save You Tons of Money

Easy & Healthy Grocery Budget Strategies that will Save You Tons of Money

While creating and sticking to a grocery budget isn’t as fun as a girls’ weekend to Cancun, it does have its perks. The food category in your budget is one of the easiest places for money to fall through the cracks. And if you can quickly and easily patch those ... Read More
How to Fight and Conquer Discrepancies in Medical Bills

How to Fight and Conquer Discrepancies in Medical Bills

Medical bills are unfortunately a part of our life, no matter your plan, coverage or deductible. Whether you’ve just had a checkup, a baby - or something in between - chances are you’re going to end up with a medical bill. But what do you do if those services are ... Read More
Monthly finance report

May 2018 Financial Report

Drumroll, please....it's officially official! We've not only paid off the last of our student loans, but we're officially debt free! It's hard to believe after years of having debt and just accepting it as the norm, we don't have the weight of student loans, car loans, or credit card debt ... Read More
Student Loan Debt: How to get rid of them quickly and painlessly

Student Loan Debt: How to get rid of them quickly and painlessly

Anyone with student loan debt will tell you just how tiring, worrisome and stressful it can be. It’s easy to panic or avoid them altogether. But really, the best (and only) way to deal with them is like ripping a band-aid off - you just have to get a firm ... Read More
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