Very few people love to budget and if you aren’t one of them I don’t blame you. While I generally enjoy budgeting now, it wasn’t always the case. One thing that made budgeting for me way easier and more enjoyable was using multiple bank accounts. Checking Accounts For Expense Types When budgeting you generally are…
Budgeting can be clutch to taking control of your money but can be a bit overwhelming when starting out. I’m going to break it down for you by first explaining what a budget is, hint, it’s not a way to torture yourself. Then we are going to cover the three basic rules of a successful…
It’s amazing how saving consistently, a little bit each day, can really add up. If you started with pennies one month and worked your way up to dollars in month 5, by saving the number of coins/dollars as the day of the month, you will save over $600. Start by saving 1 penny on day…
When you are living paycheck to paycheck, your finances just feel like a vicious cycle, a seemingly never ending on. Somehow it always seems like as soon as you start to get ahead something happens and sends you back to barely scraping by. I’ll be honest, getting out of living Paycheck to Paycheck doesn’t happen…
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 Amazon.com. Did the holidays sneak up on you? Did you just now realize that Christmas Eve is 10 days away and…
If you are struggling to pay your bills, you are likely living beyond your means. Alternatively, you may be living within your means but not making the kind of progress on your debt as you’d like. I’ve been there, I cut a lot of costs so I could put more towards my debt, but I…
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 Amazon.com. If you are just starting to realize that you need to get a handle on your finances you might be feeling…
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…
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…
The first step in any debt repayment plan is to decide what order you are going to pay off your debt. You need to prioritize because if you try to tackle too many things at once you won’t get anywhere with any of them. There are two main methods used to prioritize your debt repayment. One focuses…