Everyone should have a goal to build savings. Whether you are saving an emergency fund or a travel fund or for your future, everyone should have a savings goal. But having a goal is just the first step, the next is to figure out how you are going to build your savings. If you don’t…
Sinking funds are an important part of personal budgeting. But what are they, exactly? A sinking fund is a reserve of cash that you set aside to cover a specific future expense. In this blog post, we will discuss the different types of sinking funds and how they can help you save money! Getting Started…
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…
I think you’ll agree that paying someone money to save you money, doesn’t really make sense. The reality is that you should be rewarded for saving money. In today’s post I’m going to explain why you should stop using Digit and jump on the Chime train. If you haven’t heard about Digit and the fact…
I think you’ll agree that everyone needs savings, be it for an emergency fund, a travel fund or some other reason. Savings assures that when shit hits the fan, you’ll be okay. Most people think that when you’re in full on debt pay off mode, you aren’t able to grow your savings, but that isn’t…
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. Today, I’ll answer the age old question, How much do I need to have in savings? So each post will have a short quick answer to these frequently…
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. So many personal finance bloggers are pro automation and when I decided to write this post I thought I’d be…
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…
Debt sucks, but screwing over my future just to pay for my past decisions doesn’t seem all that wise either. I have come a long way in my journey to being financially educated. While I still have a long way to go, one thing I’ve learned is that borrowing money is to be avoided at…