Debt Free Forties Blog

Cheap dinner ideas for when you're broke

Delicious Dirt Cheap Meals for When You’re Broke

When it comes to budgeting, one of the easiest places to overspend is the food category. Finding dirt cheap meals is a great way to help balance your spending and feed your family with little effort. We’re so busy running from work to picking up kids to extracurricular activities, it’s important to find the easiest and…

man using calculator

What Is Liquid Net Worth & How to Calculate Yours

Chances are, you’ve probably heard the term “liquid net worth” thrown around a time or two in the personal finance realm. But, what exactly is liquid net worth? And, why is it an important thing to know? Liquid Net Worth Defined Liquid net worth is basically the amount of money you’ve got in cash or…

woman kneading dough with rolling pin on counter

60+ Frugal Living Tips from the Great Depression

Using frugal living tips from the Great Depression era is a great way to teach yourself how to live frugally on less and save more. The Great Depression was a time of vast struggle, pain, and hard times for many people due to a lack of jobs, money, and resources. However, one small good thing…

speech bubble that reads 40+ inspirational financial freedom quotes

40+ Financial Freedom Quotes to Inspire

If you’re pursuing true financial independence, it’s essential to find ways to keep yourself inspired to stay on task. Reading financial freedom quotes is a great way to keep your head in the game and focused on a good financial plan. What is the meaning of financial freedom? The meaning of financial freedom can vary…

The best cheap places to eat when you don't feel like cooking

The Best Cheap Places to Eat when You Don’t Want to Cook

Having a handy list of cheap places to eat might not sound like the best way to start living below your means. But being prepared for those days when you can’t stand to cook can be a great way to avoid blowing your food budget for the month. Meal planning is a great way to…

Chalk paint on sliver mirror frame with texting reading Easy DIY on a Budget: Refresh a Mirror Frame on a Budget

How to Paint a Mirror Frame: Easy DIY on a Budget

One of the cheapest and easiest ways to update a bathroom is to with paint. You can paint the walls, sure, but why not paint mirror frames, fixtures, lights, towel holders, and even doorknobs? What’s “in” can change pretty quickly – much quicker than your lights, doorknobs, or mirror frames break or stop working. Rather…

How to Stop Spending Money You Don’t Have

If you want to know how to stop spending money that you don’t have, you have to address two pieces of your life: the mental/emotional side and the practical/budgeting side. Spending more than you earn is living beyond your means, and in short, means you’re going to end up in plenty of credit card debt. The…

image of hands holding piggy bank

Five Ways to do a 52 Week Money Challenge + Free Printable

This post may contain affiliate links. Please read my disclosure for more information. Setting money saving goals is easy, but following them through – and doing it for a entire year – can be tough. One of the easiest ways to hit your savings goal is to use a 52 week money challenge printable. This printable can…

10 simple rules for a no spend challenge

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 embark on. The key takeaway…