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. Welcome to the first book review on the site. While attending FinCon, I was fortunate to get copies of 5…
I am not financially perfect, far from it in fact. If you have ever been here before chances are you know that I have a ton of student loan debt. But there comes a point that once you get a handle on your finances all you can do about your debt is to just keep…
There are tons of personal finance tools out there, some are free, some cost some money. I’ve put together a list of the best personal finance tools. These personal finance tools will help you budget better, save money, and kick debt in the face. For Budgeting Numbers Budget Template or Your Own Excel Spreadsheet If you…
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…
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…
With all my debt, I’ve found that the number one way I stay motivated is to feel like I’m constantly making progress. So I had to figure out how much I needed to put towards my debt to feel like I’m making progress. I call that number, your magic number. How a Magic Number Works $200 is…
Paying off debt can suck for all sorts of reasons. But it when there are causes near and dear to your heart and you struggle with donating to that cause because of your debt it can be the absolute worst. You may make some donations and then feel frustrated by your debt payoff progress. There…
Working hard is important if you want to reach your goals, but if you want to reach your goals and remain sane then you have to take a break every once in a while. Being only human, I sometimes also need to take a break. Tuesday was one of those times, I took a day…
Updated: March 25, 2017 So there are many arguments for and against renting vs. owning property. Personally, I have never owned any real estate, and while I recognize that it is great for some folks, it isn’t for me, at least not yet. Why? For two big reasons. First, I don’t know where I’m physically…
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…