When you bring a new pet into your home, there are a lot of costs that you may not be thinking about. In addition to food, toys, and vet bills, you also need to factor in pet insurance and sadly cremation costs. Yes, pets come with a price tag! In addition to toys, you will…
Mothers Day is coming up fast, and if you are like most people, you still have no idea what to get your mom. Relax! We’ve got you covered. In this blog post, we will list ten amazing gifts that will make your mother smile from ear to ear on Mothers Day. Whether you are looking…
When you go to the grocery store, do you use your debit card or credit card? If you’re not sure what the difference is, don’t worry! In this blog post, we will discuss the difference between credit and debit transactions. We will also explore how to get cash with a debit card and a credit…
Mothers Day is just around the corner, and if you are looking for the perfect way to show your love, we have just the thing! Mother’s day candles are a great way to say “thank you” for all that your mother has done for you. They come in a variety of scents and styles, so…
When it comes to discussing compensation, there is a lot of confusion between salary and wage. Many people use the terms interchangeably, but they actually have different meanings. In this blog post, we will explain the difference between salary and wage, and help you understand which one may be best for you. What is a…
If you’re looking to get your finances in order, a cash-only budget may be the way to go. This system can be simple and effective if done correctly. In this blog post, we will discuss some tips and tricks for budgeting with cash. We’ll also cover the cash envelope system, which is a popular way…
When tax time rolls around, many people are unsure of the difference between a tax refund and a tax return. Both of these terms are commonly used, but they mean different things. A tax refund is money that you get back from the government because you paid more in taxes than you owed. A tax…
If you’ve been cruising around Personal Finance blogs, then you’ve likely heard of a no-spend challenge. The premise of a no-spend challenge is that you have a list of things you are allowed to buy (the essentials like food for example), but otherwise you don’t spend money. Typically it lasts for a month, and then…
I don’t want to say “budget” is a dirty word, but I definitely know people that think so. A Financial Calendar is a bit different and it’s one of the things I did that helped me get on track to pay off all my credit card debt back in 2014-2015. A Financial Calendar can help…
If you’re looking to cut back expenses one of the first things to go is usually your entertainment budget. But here at Less Debt, More Wine we’re firm believers in finding ways to keep enjoying life, that cost less. In this post, we’ll break down different ways you can enjoy a $100 budget. Whether it’s…