Debt Free Forties Blog

gift on wood table

The Best 30 Inexpensive Gifts for the Woman Who Has Everything

April 25, 2021/Tana/No Comments 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, or it’s just more clutter – and no one wants more…

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…

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 near me? If you’re using cash envelopes…

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…

hands holding tablet with people icons floating above them

10 Tips to Network Online Using Social Media

Networking is essential whether you’re looking for a new job, finding a mentor, or looking for potential new hires. Since COVID hit, networking online is even more crucial than before. What are the benefits of online networking? Networking online is more than just kickstarting your net job search. It can be a great way to…

text that reads how to negotiate a job counteroffer successfully

How to Navigate Negotiating a Job Counteroffer

You’re finally ready to jump from your current position to a new job offer and have made it through the process of dusting off your resume and sitting through hours of tough interviews. You’ve landed a sweet gig that’ll give you a new challenge and that extra time off for that trip to Hawaii you’ve…

produce in a reusable bag

Grocery on a Budget: Easily Cut Your Bill by Half

We’d been struggling with keeping our grocery on a budget for the past…well, since we started budgeting. So I sat down to make a game plan that I know you can probably use as well. Staying on track with your food budget starts with finding cheaper options and easier ones that you’ll be able to use…