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

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 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
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