In the world of personal finance, a lot of emphases is placed on the small everyday things you do with your money. I’m guilty of this focus as well. I spend far more time working on my budget and evaluating my spending day in and day out than I do looking at my big picture…
Let’s face it, we all tend to hold onto documents a little longer than we need. Usually, it’s because we are never sure how long we are supposed to keep said documents. Well, spring is in the air, making it the perfect time to clean out that file cabinet, or if you go the digital…
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. 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…