PictureofusHello, my name is Michelle and I live in the Midwest. I am a young professional who graduated from an expensive private university in May of 2010 with a lot of student loan debt.

I then graduated again in August of 2012 with my Finance MBA with even more student loan debt. I used to work in the financial services industry as an analyst, but now I am fully self-employed.

I also made a post so that you can get to know me, so read that here! Read #Tag: Getting to Know the “Person” Behind the Personal Finance Blog if you would like to know about why and how I started my blog.

I graduated from college after 2.5 years with two business degrees, honors, and around $15,000 worth of debt.  I then went back after a break of a little less than a year for my Finance MBA. With my MBA included, I had around $38,000 altogether when I graduated (these are now all paid off). I worked full-time the whole time during my undergraduate and graduate degrees as a manager and then as an analyst.


Since August of 2011, Making Sense of Cents has received several awards, such as:

  1. Bloglovin’s Top Blogs, and Up and Coming Blogs
  2. eCollegeFinder’s Top Finance Blogs
  3. Top College Blog
  4. One of WiseBread’s Top Personal Finance Blogs
  5. 10 Best Inspirational Blogs for Debtors by BadCredit.org
  6. Blogger of the Month for the site Ready for Zero.
  7. Zillow’s Blog of the Week.
  8. Top Personal Finance Blog of 2012 Nominee (by One Smart Dollar and Ready for Zero)
  9. I have also been nominated by the Plutus Awards for: Best Personal Finance Blog for Young Adults, Best Blog Contributor/Freelance Writer and Blog of the Year.


My writing has been featured on The Consumerist (twice – one time was here), Yahoo! Finance, Get Rich Slowly, Lifehack (regular contributor), WiseBread, Ready for Zero, MSN Money and more.


I have no credit card debt, and I never have.

I do have credit cards, but I pay my balances completely off every month.  The thought of credit card debt scares me honestly. I do love the rewards that I get from them, and that is the main reason why I have them.

My father passed away in 2008, after around a 6 month battle with brain and lung cancer.  I was definitely a daddy’s girl and it still hurts to this day.  If anyone has anything they’d like to share with me regarding a family member/loss, my ears are open.  Just contact me please, and don’t be afraid, many others have already shared their stories with me.

We bought our first house in 2009 (while still in college, read more about how I bought a house at the age of 20).  I live with my significant other (together for almost 8 years, and living together for almost 7) and our two fur-children.

My sister also lives with us, and I’ve been “raising” her since my dad passed away. She’s a great sister and in a way kind of like a daughter to me since I have been the one raising her…

I hope that sometime soon we will be able to travel all over the world, but first I need to start saving money.  We constantly think about retiring young and traveling, but we need to win the lottery (hey, we can all dream right?)

I really enjoy reading finance and life articles/blogs and I also enjoying reading the comments and discussions that other people have. I hope to use this blog to educate and inform others and myself about finance, frugality, saving and the like.

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