how to budget | budgeting tips | budgeting mistakes | budget

6 Reasons Your Budget is Failing & How to Fix It

A budget fail sucks. Because budgeting can be the keystone to successfully managing your money. However, life isn’t perfect, and we as humans are not perfect. And you may find yourself struggling with your budget. In today’s post, we will go over six common reasons your budget is failing and how to fix it and …

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I don't like Dave Ramsey | personal finance | money management | millennial money tips

Why I Don’t Like Dave Ramsey

First things first, I don’t hate Dave Ramsey. I’m also not looking to bash him. I’m just not a big fan of him. Frankly, he kind of rubs me the wrong way. And if he has helped you that’s awesome I’m really happy for you but I’ve got some issues with him, which means I …

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debt free holiday season | debt free christmas | save money this holiday season | frugal holidays

How to Have a Debt Free Holiday Season

It’s that time of year, the time of holiday joy and cheer and spending more money than you would all year long. And then come January you’re going to end up having a Christmas debt hangover. But just like you can avoid hangovers of alcohol by drinking lots of water you can avoid that holiday …

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30 money lessons | personal finance tips | millennial money tips

30 Money Lessons Learned in 30 Years

I have just entered a new decade. Yesterday, I turned 30. Which being that it happened on a Wednesday meant working and celebrating with a cupcake. However, I’ll do my real celebrating this weekend when I travel to the west coast to visit and celebrate with family and attend Activate EBA Live a blogging conference/workshop …

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student loan debt | bankruptcy | discharge private student loans

Certain Private Student Loans May be Dischargeable in Bankruptcy

If you have student loans and struggle financially, you’ve probably thought that filing for bankruptcy wouldn’t help you. Since when Congress wrote the law they made sure to specify what debts were and were not dischargeable. The law seemed to protect all student loans from being discharged. However, what has been argued as a better …

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consolidating | refinancing | student loans | student debt | repayment

Consolidating or Refinancing: Which is Right for You?

Today, I’m thrilled to have a guest post by Drew Cloud from The Student Loan Report, I’ll let him take it away. Misunderstanding and misinformation abound when it comes to the differences between consolidating or refinancing student loans. Sometimes, the confusion is enough to cause you to simply avoid or put off strategies that can …

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Affordable entertainment | save money | affordable living | movies | tv | cable alternatives | books | music | concerts | sporting events

The Ultimate Guide to Affordable Entertainment

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 When you are paying off debt, it seems like the line item in your budget for entertainment gets the short …

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shopping for gifts | debt | money management

Shopping for Gifts When You’re in Debt

I know it’s June so why am I talking about gift giving? Well, the year is almost half way over which means the holidays will be here before you know it, which is why you need to start thinking about it now. When you’re in debt, shopping for gifts can be hard. Between birthdays, holidays, …

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5 steps to paying off debt | debt repayment | how to pay off debt

The 5 Steps to Paying Off Debt

In a world filled with student loans, mortgages, and credit cards, many will have you believe that debt is normal. While it is common, it doesn’t mean it has to be normal. The sooner you can be debt free the sooner you will have more choices and control with your money. To become debt free …

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I Love Movies! How to Save Money on Movies

I <3 movies, going to the movies or just relaxing watching a movie at home is one of my favorite things to do. But that kind of hobby can get expensive. When you’re in debt and looking to save money, then you tend to cut out unnecessary expenses first and movies often are considered an …

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