Darby Jones

Darby Jones is a financial guru with a passion for FIRE (Financial Independence Retire Early). Read Darby's full bio here.

Military aircraft on display at a Brazilian air base, mounted upright beside a road near the entrance gate with benches and palm trees in view.

10 Military Freebies You Didn’t Know Were Available On Base

If you’re active duty, a military spouse, or a dependent, chances are your local military base offers more free services than you realize! Beyond the commissary and PX/BX deals, many bases provide valuable freebies that can help you save money, time, and stress. Here are some common (and not-so-common) military freebies you can find on

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Woman using a mobility-accessible vehicle seat lift outside a black van in a sunny parking lot.

NEMT: Free Rides To Medical Appointments

If you’re a Medicaid recipient, getting to and from the doctor’s office shouldn’t be a financial burden or a barrier to staying healthy. That’s where Non-Emergency Medical Transportation (NEMT) comes in. Many Medicaid beneficiaries are eligible for free rides to medical appointments, thanks to this often-overlooked benefit. What Is NEMT? Non-Emergency Medical Transportation (NEMT) is

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Man relaxing on bed while using smartphone

Lifeline Program: How To Get Discounted Phone Or Internet Service

In today’s world, staying connected isn’t a luxury, it’s a necessity. From applying for jobs to accessing telehealth services and staying in touch with loved ones, phone and internet service are essential. Thankfully, the Lifeline Program exists to make these services more affordable for low-income households. What Is the Lifeline Program? The Lifeline Program is

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Close-up of a person using a power drill on a wooden board while wearing a green work glove.

Section 504 Home Repair Program: Help For Rural Homeowners

If you’re a homeowner living in a rural area and struggling to afford necessary home repairs, you’re not alone. The Section 504 Home Repair Program, also known as the Single Family Housing Repair Loans & Grants Program, provides financial assistance to low-income homeowners, especially the elderly, to remove health and safety hazards from their homes.

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Mother and daughter smiling and playing with wooden toys at a table.

Factors That Determine Child Support Payments

When it comes to raising a child after a separation or divorce, ensuring financial support is essential. That’s where child support payments come in. Whether you’re the parent paying or receiving, understanding how these payments are calculated can help you plan your finances with confidence. Let’s break down the main factors that determine child support

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Police officer in uniform standing on a street during a public safety situation, with other officers and vehicles in the background.

How To Qualify For Public Service Loan Forgiveness (PSLF)

For many student loan borrowers, the weight of monthly payments can feel like a lifetime commitment. But if you work in public service, there’s good news: you may qualify for Public Service Loan Forgiveness (PSLF). This is a federal program that forgives the remainder of your federal student loan debt after ten years of qualifying

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Modern apartment buildings with balconies under a blue sky, representing affordable urban housing options.

How to Apply for HUD Housing and Rental Assistance

Struggling to afford rent? You’re not alone. The U.S. Department of Housing and Urban Development (HUD) offers programs that help low-income individuals and families find affordable housing or receive rental assistance. Here’s how to apply, and what you need to know before you start. What Is HUD Housing? HUD doesn’t directly rent homes to individuals,

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Person sitting on the floor against a concrete wall with head down, showing signs of sadness or depression.

How Depression Affects Spending And Saving Habits

Depression doesn’t just take a toll on your mental and physical health. It can also have a significant impact on your financial decisions. From impulsive spending to avoiding budgeting altogether, depression can affect the way people manage their money in ways that aren’t always obvious. In this article, we’ll break down how depression influences both

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