How to Use Spending Days to Save Money

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 …

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How to Create Your Personal Financial Calendar

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 …

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Making the Most of a $100/year Entertainment Budget

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 …

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Card Closing Date Vs Due Date – What’s the Difference?

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 …

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Why You Need an Emergency Fund & a Buffer

You can have the greatest budget in the world, but at some point, life is going to throw you a financial curve ball. It might be a parking ticket or a sudden job loss. Either way, you’re going to want a financial safety net to catch those curve balls (it’s possible I’ve muddled my metaphor …

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Are You Forgetting to Budget for These 50 Expenses?

Everyone knows that creating a budget allows you the knowledge of knowing where your money goes and the freedom to decide what is most important to you to continue your lifestyle. But one of the toughest parts of budgeting is making sure you budget everything; there are a few things you may be forgetting to …

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Is a Credit Score of 740 good?

A credit score is a number that is determined by a person’s credit history. A good credit score opens up a lot of choices for you financially. The biggest benefit of a good credit score is being approved for financing at the best interest rates. A low interest rate means saving tens of thousands of …

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3 Best Reads to Build an Abundance Mindset

I think you’ll agree that to have an abundance of most things, in particular money can be a big help in achieving financial goals. But did you know mindset can have a lot to do with it? If you’ve ever operated from a scarcity mindset, like me ‘a la 2012’ you’ll know it sucks and …

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Bankruptcy 101: What to Know Before Considering Filing

In this guide we’ll help you understand the bankruptcy process from start to finish. We’ll dive into definitions and the differences between filing Chapter 7, 11 or 13 bankruptcy, as well as answer your questions about how much it costs, and why you shouldn’t be ashamed. What is bankruptcy? Bankruptcy is a legal proceeding involving …

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