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

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 ways to save money on a tight budget. By saving money on expenses, we had more to ... 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
Easy Dinner Ideas to Stop Eating Out

Easy Dinner Ideas to Stop Eating Out

I'll admit it - I hate trying to figure out dinner ideas for tonight. Needless to say, this is probably our biggest downfall when it comes to our food budget. Having nothing planned means grabbing dinner on the way home - on top of a coffee from the drive thru, ... Read More
How to Pay Off Credit Card Debt Quickly

How to Pay Off Credit Card Debt Quickly

Credit card debt. The huge majority of Americans have it, and have learned to live with it, like an annoying family member that always ribs you. But what if you didn’t have to have credit card debt in your day-to-day life (or that awkward uncle)? Learn how to pay off ... Read More
Pay Off Your Mortgage or Invest? Practical Tips to Decide

Pay Off Your Mortgage or Invest? Practical Tips to Decide

It’s the age-old question about which comes first. (No, not the chicken or the egg. Well, maybe - it IS about your nest egg, anyway.) Should you pay off your mortgage or invest first? While both are very tempting options, there are some major considerations to think over before making ... Read More
Monthly finance report

April 2018 Financial Report

This is no April Fool's joke - we're only $769 from becoming debt free. FINALLY. We're thisclose to knocking out my student loan, which has been hanging out like an unwanted house guest for the past 11 years. It's definitely time to kick it out and say, buh-bye! via GIPHY ... Read More
Amazingly Simple Cleaning Tips that’ll Save You Tons of Money

Amazingly Simple Cleaning Tips that’ll Save You Tons of Money

Every spring I feel the need for a refresh. There’s just something about the fresh air and sunshine that makes me want to review our budget, get rid of clutter, and do a deep spring clean. So why not bust open the windows and start your spring with my favorite ... Read More
How to Jumpstart Your Finances Quickly with Sinking Funds

How to Jumpstart Your Finances Quickly with Sinking Funds

Are you struggling with budgeting and trying to stay ahead? Wondering where in the world you’re going to find money for upcoming expenses outside of your budget, yet again? The best way to break out of this cycle is to create and use sinking funds. Sinking funds are the best ... Read More
How to Stop Spending Money You Don't Have

How to Stop Spending Money You Don’t Have

Another payday hits, and you’ve already got the itch to go shopping. Next thing you know, your paycheck is spent before the weekend is over. Unfortunately, it’s another 2 week stretch to keep yourself afloat until the next payday. You know you need to stop spending money you don’t have, ... Read More
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