Growing up is a process. Even after you move out and go to college and law school. I feel like school gives you a bit of a buffer. You live in the dorm, eat at the cafeteria and are surrounded by friends. You learn to handle a lot but it is not the same as…
Money is more than just the numbers in your checking, savings, or retirement account. It’s more than the numbers on your loan balance statement. Money means, more or less, to each person, depending on their situation. A person with plenty of money probably doesn’t think about money as much as a person with tons of debt. It’s…
If there is one category that haunts budgeters it is the entertainment budget. Trying to balance having a life and still pay off debt and save for other goals can be tough to quantify. Budgeting for Entertainment When building a budget, no matter what type of budgeting system you are using, there is always some…
Graduation is an exciting time, it marks a huge accomplishment, it also marks a huge transition from full-time student to full-time adult. Here are 8 things to know after you graduate. 1. Your Student Loans Have a Grace Period Take advantage of this post graduate time, do not use it to be in denial about…
The following blog post is part of The Road to Financial Wellness blog tour. The Road to Financial Wellness is a three-month, grassroots campaign promoting financial empowerment on a national level and encourages people to pursue their dream lifestyle. Find out more about local events near you. Losing a Friend In April of this year,…
You’ve just graduated and you’ve got your first full-time job lined up; congratulations! You still have a lot of decisions to make and if you are like me when I got my first full-time job, you don’t understand half of the information they are throwing at you. From health insurance to retirement, things are different in this…
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…
Hopefully, you’ve done some spring cleaning this month. If so you’ve probably made a few bucks selling some of your old junk, but chances are you still haven’t sold everything. Rather than keeping a pile of stuff around just go ahead and donate it. I know what you are thinking how can you take advantage…
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…