personal finance | FAQS | money questions | do I really need a budget? | debt | budget

Frequently Asked Financial Questions: Do I Really Need a Budget?

Frequently asked financial questions are questions that I’ve seen pop up over and over again.  I thought I’d take the time to answer them in this new Series. So each post will have a short quick answer to these frequently asked financial questions followed by a longer more detailed answer. Do I really need a budget? …

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save money on groceries | shopping |save money

How to Save Money on Groceries

One of my biggest variable costs each month is how much money I spend on food. I’m always looking for how to save money on groceries without going full on extreme couponing. Not that I have anything against using coupons, I just don’t want to spend so much time on it to save maybe $100 …

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paying off student loans | paying off debt | student debt

Paying Off Student Loans: The Best Approach

If you’ve been around Less Debt More Wine a while then you know I have some student loan debt. By “some” I mean a ton of student loan debt. In fact, I know very few people that don’t have student loan debt. I’ve posted a lot on here about different debt payoff strategies, from prioritizing …

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I've definitely made some of these mistakes before when repaying debt

3 Mistakes to Avoid When Repaying Debt

If you’re making repaying debt and student loan debt, in particular, a priority, awesome. Way to go you. Do yourself a favor and make sure you aren’t taking a step backward with every two steps forward. Avoid these mistakes: 1. Building Up More Debt While Repaying Debt It’s really hard to pay off your student …

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Great roundup of Student Loan Forgiveness programs and qualification requirements

What is Student Loan Forgiveness and How to Qualify?

Wouldn’t we all love a pardon on our student loans? Depending on your loans and/or what you do for a living, you just might qualify for student loan forgiveness after a certain period. Before you get too excited, realize that depending on the program you qualify for, that forgiven amount might actually become one big …

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Student Debt: How to Find Out How Much You Owe

There is a lot going on when you finish school. If you just graduated from law school, then you are probably focusing on studying for the bar and student loans are the last thing on your mind. However, eventually, you are going to have to sit down and figure out how much you owe in …

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10 best money rules to live by | personal finance tips | millennial money tips

The 10 Best Money Rules to Live By

​Not all personal finance tips or rules are created equal. Each piece of advice may also not be for where you are at in your life and your finances. However, through all the personal finance tips and advice, these are what I consider to be the best rules to remember and live by. Here they …

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Oh how I wish I'd known some of these things when looking for my first apartment, definitely read this if you are looking for your first apartment

Renting Your First Apartment – What to Expect

Renting your first apartment can be really exciting, so exciting that you might overlook some things. Don’t let the excitement of it all cloud your judgment. Go into it with open eyes, know what to expect, and what to look for. Growing up I was fortunate to always live in a house my parents owned, …

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I definitely didn't know or think of these things after I graduated, wish I had when I was a graduate

8 Valuable Things You Need to Know After You Graduate

Graduation is an exciting time, it marks a huge accomplishment, it also marks a huge transition from full-time student to full-time adult. Here are 8 things to know after you graduate. 1. Your Student Loans Have a Grace Period Take advantage of this post graduate time, do not use it to be in denial about …

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Take advantage of your grace period by getting organized

How to Actually Take Advantage of Your Grace Period

Congratulations! You’ve graduated. But you haven’t yet been hit with the reality of repaying all those student loans. You are likely very much enjoying your grace period. How about instead of ignoring the inevitable you take advantage of this time? Here are some things you can do to take advantage of your grace period. In …

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