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…
If you have a credit card then you likely receive a monthly statement telling you the minimum payment you’re required to make by a certain date. But there is a lot more going on with your statement than just the payment due. In this post, we’ll be covering: the difference between your credit card closing…
This guide is specifically for women who are in a position of power. When it comes to the workplace, women are conditioned to be more polite, obsessive about being liked, and less confrontational. If you have ever found yourself in this predicament, keep reading below so you can learn how to find the perfect gift…
GET SOMETHING THEY’LL ACTUALLY USE AND ENJOY THIS YEAR… This gift guide contains affiliate links and I may earn a commission at no cost to your if you purchase via my links. Not sure what stocking stuffers to get adults? Avoid getting this junk they’ll never use by checking out this list of ideas! No…
Unfortunately, in our society, people are often required to take on a side hustle to make ends meet. Though one benefit is that it also helps them to grow their skills and develop new ones, which could help lead to better paying opportunities in the future. Some of the most popular side hustles that people…
GET SOMETHING 6-8 YEAR OLDS WILL LOVE THIS YEAR… This gift guide contains affiliate links and I may earn a commission at no cost to your if you purchase via my links. If you’re on a budget, use the sections below to find the best gifts in your price range. Kids Stocking Stuffers UNDER $10…
It’s that time of year again – time to find the perfect gift for your friends and co-workers. The best gifts for co-workers are those that show you care about their interests, hobbies, or passions, as well as those that have a little bit of you in them. Gift ideas for your office friends can…