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

50+ Crazy Fun & Cheap Date Night Ideas to Fit Your Budget

50+ Crazy Fun & Cheap Date Night Ideas to Fit Your Budget

Date nights can be a great way to reconnect with your partner when overwhelmed with all the tasks of daily life. It can also be a not-so-great way to reconnect with your wallet or credit card once you pay the babysitter, eat a fancy dinner, and catch a show. No ... Read More
Finding the best cable alternatives: A step-by-step guide to cutting the cord

How to cut the cord: Finding the best cable alternatives

For a lot of folks, the idea of cutting the cord on your cable tv can feel a lot like deprivation. Who doesn't need a little mindless escape at the end of a long and tiring workday? Unfortunately, as much as we feel like we deserve the break, the cost ... Read More
14 simple ways to save on monthly expenses

14 Simple Ways to Cut Monthly Expenses and Save Money Now

During the past two years of budgeting, we’ve found a lot of ways to trim down our monthly expenses list. There’s no lack of ways to save money on a tight budget. Finding smart money saving tips is the easy part. The hard part about budgeting is really about making ... Read More
35 Stupid-Simple Ways to Travel on a Budget

35 Stupid-Simple Ways to Travel on a Budget

It's estimated that 42 million Americans traveled last summer. At an average cost of $1200 per person, that's a whole lotta dough. Traveling with a family or even friends can add up quick, making a family vacation cost about as much as your health insurance deductible. Ouch. And that's just ... Read More
Cheap dinner ideas for when you're broke

Cheap Dinner Ideas for When You’re Broke

When it comes to budgeting, one of the easiest places to overspend is the food category. We're so busy running from work to picking up kids to extracurricular activities, it's almost impossible to find the will or energy to cook dinner every night. According to the U.S. Bureau of Labor Statistics, ... Read More
The ultimate list of legit side hustle ideas for 2019!

The Ultimate List of Legit Side Hustles Idea for 2019

The easiest way to pay off debt is by finding the best side hustles that fit your schedule. There are a billion great side hustles out there, everything from proofreading to delivering pizzas. Some involve learning a new skillset, while many others have costly start-up fees to get going. The ... Read More
How to get out of debt

How to Get Out of Debt: We Paid Off $26,619 in 17 Months

Racking up debt can happen for a variety of reasons: overspending, medical issues, a car accident, a layoff. Often it can take just one or two unplanned instances to end up neck deep and struggling - especially if you're already living paycheck to paycheck. Millions of Americans are one paycheck ... Read More
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?

Dare to Conquer (formerly Billionaire Blog Club) Review: Is It Worth It?

Updates to Dare to Conquer (formerly Billionaire Blog Club) (1/9/19) Dare to Conquer includes bootcamps, courses and journeys. Bootcamps get you started, and include blogging, pinterest, SEO and affiliate marketing. Perfect for someone starting out. Courses are more in-depth, and include Pinterest, SEO, affiliate marketing, and sales funnels. Journeys are ... 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
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