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Money Management Guides


Looking to get a handle on your finances?

From budgeting to debt, saving and spending, we’ve got you covered with our in-depth, researched guides to help you manage your money and take control of your finances, so you don’t ever dread looking at a bank statement again.

How to Budget for Debt

Budgeting can be the make or break moment when it comes to financial success. It can be especially important when trying to pay off debt quickly. It could be credit card debt, a car loan, private loan…

How to Best Build Savings – Digital vs Manual

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 ste…

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 tough…

5 Things to Stop Doing to Start Earning More

Do you ever feel like, no matter what you do, no matter how hard you work your income just doesn’t increase? It can be extremely frustrating, but your problem may not be that you’re not do…

How to Make Money Blogging – The Definitive Guide (2019)

Whether you got into blogging to make money or you started your blog and just realized you can actually make money blogging, what monetization methods you see others using may not be right for you.…

Dave Ramsey’s Baby Steps – How They’re Hurting Your Finances & What to Do Instead

I’m sure you agree that personal finance is personal. Which means but no one set of rules is going to fit exactly right for everyone. Perhaps the most well known set of personal finance rules ar…

How I used the Debt Nor'Easter Method to pay off $6,000 of credit card debt in 6 months.
Debt Payoff Case Study: How I Paid Off $6,000 in 6 Months

Today, I’m going to show you how I paid off over $6,000 in credit card debt in 6 months. And I was able to bury this debt despite working full time which required extensive travel, working on re…

Trouble deciding which loan best suits your needs? Here is what you need to know and consider to figure out which loan will benefit you the most. | refinancing | debt | loans
How to Figure Out Which Loan Will Benefit You the Most

Whether you are looking at taking out a new loan or a loan to refinance another loan, figuring out which loan terms would be best depends on a lot of different things. The first thing you need to cons…

how to budget | budgeting tips | budgeting mistakes | budget
6 Reasons Your Budget is Failing & How to Fix It

A budget fail sucks. Because budgeting can be the keystone to successfully managing your money. However, life isn’t perfect, and we as humans are not perfect. And you may find yourself strugglin…

I don't like Dave Ramsey | personal finance | money management | millennial money tips
Why I Don’t Like Dave Ramsey

First things first, I don’t hate Dave Ramsey. I’m also not looking to bash him. I’m just not a big fan of him. Frankly, he kind of rubs me the wrong way. And if he has helped you tha…

debt free holiday season | debt free christmas | save money this holiday season | frugal holidays
How to Have a Debt Free Holiday Season

It’s that time of year, the time of holiday joy and cheer and spending more money than you would all year long. And then come January you’re going to end up having a Christmas debt hangove…

30 money lessons | personal finance tips | millennial money tips
30 Money Lessons Learned in 30 Years

I have just entered a new decade. Yesterday, I turned 30. Which being that it happened on a Wednesday meant working and celebrating with a cupcake. However, I’ll do my real celebrating this week…

student loan debt | bankruptcy | discharge private student loans
Certain Private Student Loans May be Dischargeable in Bankruptcy

If you have student loans and struggle financially, you’ve probably thought that filing for bankruptcy wouldn’t help you. Since when Congress wrote the law they made sure to specify what d…

consolidating | refinancing | student loans | student debt | repayment
Consolidating or Refinancing: Which is Right for You?

Today, I’m thrilled to have a guest post by Drew Cloud from The Student Loan Report, I’ll let him take it away. Misunderstanding and misinformation abound when it comes to the differences …

Affordable entertainment | save money | affordable living | movies | tv | cable alternatives | books | music | concerts | sporting events
The Ultimate Guide to Affordable Entertainment

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 l…

shopping for gifts | debt | money management
Shopping for Gifts When You’re in Debt

I know it’s June so why am I talking about gift giving? Well, the year is almost half way over which means the holidays will be here before you know it, which is why you need to start thinking a…

5 steps to paying off debt | debt repayment | how to pay off debt
The 5 Steps to Paying Off Debt

In a world filled with student loans, mortgages, and credit cards, many will have you believe that debt is normal. While it is common, it doesn’t mean it has to be normal. The sooner you can be …

I Love Movies! How to Save Money on Movies

I <3 movies, going to the movies or just relaxing watching a movie at home is one of my favorite things to do. But that kind of hobby can get expensive. When you’re in debt and looking to sav…

FAQS | personal finance | credit card debt | student loans | student debt
FAFQ: Should I Pay Off Credit Card Debt or Student Loans First?

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 Frequently Asked Financial Questions …

private student loans | student debt | debt repayment
FAFQ: Am I totally screwed with private student loans?

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 Frequently Asked Financial Questions …

my credit score | personal finance | FAQS | money questions | credit score
FAFQ: How important is my credit score?

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. So each post will have a …

personal finance | FAQS | money questions | How Can I Afford to Travel when I have debt? | debt | budget
Frequently Asked Financial Questions: How Can I Afford to Travel When I Have Debt?

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. So each post will have a …

personal finance | FAQS | money questions | Will my student loans really be forgiven | debt | budget
FAFQs Series: Will My Student Loans Really Be Forgiven?

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. So each post will have a …

personal finance | FAQS | money questions | Can I afford to buy a house? | debt | budget
FAFQ: Can I Afford to Buy a House?

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. So each post will have a …

personal finance | FAQS | money questions | How much do I need to have in savings? | debt | budget
FAFQs: How Much Do I Need to Have in Savings?

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 …

personal finance | FAQS | money questions | do I really need a budget? | debt | budget
Frequently Asked Financial Questions: Do I Really Need a Budget?

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. So each post will have a …

save money on groceries | shopping |save money
How to Save Money on Groceries

One of my biggest variable costs each month is how much money I spend on food. I’m always looking for how to save money on groceries without going full on extreme couponing. Not that I have anyt…

paying off student loans | paying off debt | student debt
Paying Off Student Loans: The Best Approach

If you’ve been around Less Debt More Wine a while then you know I have some student loan debt. By “some” I mean a ton of student loan debt. In fact, I know very few people that don&#…

emergency fund buffer | build savings
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 go…

I've definitely made some of these mistakes before when repaying debt
3 Mistakes to Avoid When Repaying Debt

If you’re making repaying debt and student loan debt, in particular, a priority, awesome. Way to go you. Do yourself a favor and make sure you aren’t taking a step backward with every two …

Great roundup of Student Loan Forgiveness programs and qualification requirements
What is Student Loan Forgiveness and How to Qualify?

Wouldn’t we all love a pardon on our student loans? Depending on your loans and/or what you do for a living, you just might qualify for student loan forgiveness after a certain period. Before yo…

Student Debt: How to Find Out How Much You Owe

There is a lot going on when you finish school. If you just graduated from law school, then you are probably focusing on studying for the bar and student loans are the last thing on your mind. However…

10 best money rules to live by | personal finance tips | millennial money tips
The 10 Best Money Rules to Live By

​Not all personal finance tips or rules are created equal. Each piece of advice may also not be for where you are at in your life and your finances. However, through all the personal finance tip…

Oh how I wish I'd known some of these things when looking for my first apartment, definitely read this if you are looking for your first apartment
Renting Your First Apartment – What to Expect

Renting your first apartment can be really exciting, so exciting that you might overlook some things. Don’t let the excitement of it all cloud your judgment. Go into it with open eyes, know what…

I definitely didn't know or think of these things after I graduated, wish I had when I was a graduate
8 Valuable Things You Need to Know After You Graduate

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…

Take advantage of your grace period by getting organized
How to Actually Take Advantage of Your Grace Period

Congratulations! You’ve graduated. But you haven’t yet been hit with the reality of repaying all those student loans. You are likely very much enjoying your grace period. How about instead…

If you are struggling with overspending and busting your budget, you need to look at budgeting with multiple checking accounts. It's so easy!
How to Make Budgeting Easy With Multiple Checking Accounts

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…

Super thorough post on how to budget Plus there is a Free How to Budget E-Guide
How to Budget Successfully Every Time – The Ultimate Guide

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…

How much can you easily save in a month, by saving the number of pennies for the day of the month it is and adding it to what you saved already?
How to Easily Save Over $600 in 5 Months

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/…

How to stop living paycheck to paycheck. Plus a Free download: 45+ way to save money
How To Stop Living Paycheck to Paycheck

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 an…