Great way to think about debt repayment! Figure out your magic number to feel like you are always making progress!

Debt Repayment – The One Easy Trick That Keeps Me Motivated

With all my debt, I’ve found that the number one way I stay motivated is to feel like I’m constantly making progress. So I had to figure out how much I needed to put towards my debt to feel like I’m making progress. I call that number, your magic number. How a Magic Number Works $200 is …

Read more

A great reminder that donating doesn't have to be about money. Particularly when you are trying to pay down debt and money is tight.

How to Manage Debt & Still Donate to Charities

Paying off debt can suck for all sorts of reasons. But it when there are causes near and dear to your heart and you struggle with donating to that cause because of your debt it can be the absolute worst. You may make some donations and then feel frustrated by your debt payoff progress. There …

Read more

Why You Should Always Make Time to Take a Break

Why it’s Important to Take a Break

Working hard is important if you want to reach your goals, but if you want to reach your goals and remain sane then you have to take a break every once in a while. Being only human, I sometimes also need to take a break. Tuesday was one of those times, I took a day …

Read more

Great credit card debt freedom story, she paid off over $6k in 5 months!

How I Paid Off All My Credit Card Debt

When I started this blog back in August 2014, I had $6,177 worth of credit card debt. I had been well aware of this debt for a while. At the beginning of 2014, I actually had just under $8,000 worth of credit card debt. I wish I could say that once I realized I had …

Read more

buying a home isn't for everyone, sometimes renting can be better | rent v buy |

The Best Reasons to Rent Instead of Buy

Updated: March 25, 2017 So there are many arguments for and against renting vs. owning property. Personally, I have never owned any real estate, and while I recognize that it is great for some folks, it isn’t for me, at least not yet. Why? For two big reasons. First, I don’t know where I’m physically …

Read more

D.C. on a budget. Great ideas to save money in an expensive city.

How to do D.C. on a $250 Budget

I just got back from D.C. and it was a fantastic trip. The best part? The total cost of my D.C. on a budget trip? $253.06 Total for the Trip = $253.06 Here is the breakdown: Gifts for Others: $43.61 I picked up some stocking stuffers (yes, I buy stocking stuffers in February) and birthday …

Read more

How 1 hour of my time, earned me an extra $150

Know Your Benefits – How I Scored an Extra $150

While there are a lot of pros and cons about having a day job, one of the pros is definitely the employee benefits.  Benefits like medical, dental, and vision insurance, 401k company match, and paid time off. Don’t get me wrong I don’t have my job just because of the employee benefits, but the benefits …

Read more

Why You Should Always Check Your Receipts

Check Your Receipts – It Can Save You Money

I have a little story for you that got me a free drink at Starbucks. Over the holidays when I was visiting my family, we all went to Starbucks. We each ordered and paid for our drinks. I was surprised at how much mine cost as I had purposely picked something on the lower end …

Read more

Before you go spending money, shop your house.

Save Money by Shopping Your House

Less Debt More Wine is a participant in the Amazon Services LLC Associates Program, an affiliate advertising program designed to provide a means for sites to earn advertising fees by advertising and linking to Now that the holidays are over if you didn’t get everything you’d hoped for you might find yourself doing a bit …

Read more

credit score | raising credit score | money management

How I Raised My Credit Score Over 100 points

My debt repayment journey started by checking my credit score. I quickly realized how bad my credit was and knew I had to improve it. I went from having a score of 640 to 749 in less than a year. It now nears 800. There are a combination of things that resulted in raising my …

Read more