Debt Free Forties Blog

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Can you return gift cards?

Have you received a gift card and don’t know what to do with it? If you’re wondering, “Can you return gift cards?”, it depends on the store. Unfortunately, most retail stores have strict policies regarding gift cards and store credit. But don’t worry! There are still some options for getting rid of unwanted gift cards…

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Cheap Birthday Ideas for a Fun & Fabulous Party

Most of us want to celebrate our birthdays, but we don’t always have much money.  We all know that birthday parties are fun and great for building relationships with friends and family members, but they can also be expensive. With these great tips, you can throw a fantastic party without spending too much money. Your…

Secrets to where I change coins for cash - for free! Hands holding coins

Secrets to Where I Change My Coins to Cash for Free

If you’re getting ready for vacation, the holidays, or want to splurge without breaking your budget, the perfect go-to is to cash in coins you’ve been saving in your piggy bank or coin jar. Which means you’re wondering, where can I change my coins for cash for free? If you’re using cash envelopes to budget,…

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The Cheapest States to Live in 2021

If you’ve ever wondered what the cheapest state to live in is, you’ve come to the right place!  When it comes to determining which states have the lowest cost of living, there are a lot of different sources saying a lot of different things, especially since the cheapest city to live in the USA is…

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The Best 30 Inexpensive Gifts for the Woman Who Has Everything

July 22, 2021/Tana/No Comments This post may contain affiliate links. Please read my disclosure for more information. I think we all know that it can be hard to find inexpensive gifts for the woman who has everything. (Or, a gift at any price point when they already have everything, right?) It’s vital to make sure the gift is thoughtful,…

couple looking at budgeting paperwork

How to Use Dave Ramsey Budget Percentages

July 19, 2021/Tana/No Comments Chances are, if you’ve heard the term “Better than I deserve!”, then you’ve heard of Dave Ramsey budget percentages. Dave Ramsey is a money guru whose budgeting concepts and baby steps are best used by people starting their money journey. Dave has been bankrupt and knows what it’s like to struggle…

50 Free Things to Do on a No-Spend Weekend

50+ Free & Fun Things to do with Friends at Home

One of the first things that get cut from every budget is expensive activities, right? Out the door goes all the lattes and visits to the movie theater. But finding fun things to do with friends at home turns out to be a lot easier than expected. It’s important to find free things to do…

woman looking at paperwork with calculator and laptop

How much is $40,000 a year per hour?

$40,000 a year is an excellent starting salary – but how much is $40,000 a year per hour, week, or month? To figure out your hourly pay rate at any salary, let’s start with the basics. There are 52 weeks in a year and each is a 40 hour work week (on average). (Let’s not…

girl counting money and smiling

Financial Literacy for Kids: Lesson Ideas by Age Group

Being a parent means having a lot of complicated conversations, from religious beliefs to money and everything in between. Thankfully, there are some excellent resources for financial literacy for kids to help keep things age-appropriate and easy to understand. What is basic financial literacy? Basic financial literacy is the understanding of various economic ideas. The basics of…