Debt Free Forties Blog

How to Easily Build the Ultimate Family 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 an emergency binder for their parents, who were watching their kids. Of course, I obliged. And being…

woman conducting an online interview

Best Paid Focus Groups in 2021: Make $150+/hour

Participating in paid focus groups is a great way to earn some extra cash to supplement your income. If you are interested in dipping your toe in the waters of focus groups, but aren’t sure where to start, keep reading because I’m going to cover it all! What is a Focus Group? First things first,…

Hands pulling money out of wallet with text that reads How to Slam Dunk Getting Approved for Any Loan Immediately

What are the 4 C’s of Credit for Getting a Mortgage?

Are you considering getting a house, car, or personal loan this year (or in the next 2 – 3)? If so, you’re going to need to know about the 4 c’s of credit. No, they’re not horsemen bringing the apocalypse or the top cuss words your kids will spout out in front of their kindergarten…

four people running at the beach

How to Start Living Below Your Means in 2021

If you’ve wandered around any personal finance site or listened to a money guru for very long, you’ll hear the importance of living below your means mentioned often. We’ve all heard the term thrown around, sure, but do you know if you’re genuinely living below your means? In this post, I’ll cover what it means…

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…

Text graphic that reads which is the best budgeting software

YNAB vs Mint 2021: Which Budgeting App Wins?

For those on a budget, investing in a budgeting software program can be quite helpful because it not only helps you develop your budget, but it can also help you actually stick to it as well, which to be honest, is the real battle when it comes to budgeting.  Another great thing about using a…

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…

Image of windmills and factory

Arcadia Power Review: 2021 Guide to Clean Energy

I started using Arcadia Power over a year ago, and wanted to share my Arcadia review on how it’s working out – if I’ve been saving money, if I’m really making an impact on the environment, and if it’s worth signing up for their services. If you’ve been reading this blog for a while, by…

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…