Michelle Schroeder-Gardner, Author at Making Sense Of Cents

Need Some Quick Cash? 10 Ways How To Make Money Fast

November 19, 2018 BY Michelle Schroeder-Gardner - 8 Comments

This post may contain affiliate links. Please read my disclosure for more info.

Need Some Quick Cash? 10 Ways How To Make Money Fast #howtomakemoneyfast Sometimes unexpected expenses come up and you have to find ways to make money fast. Maybe you have an unexpected home repair, something broke on your car, you forgot about a bill, or something else.

Perhaps you need to learn how to make extra money in the next 24 hours or by the end of the week.

No matter how small your timeframe is, there's probably something you can do to quickly earn at least a little bit of money.

While I think that everyone should have an emergency fund, there are still times when you need to find ways to make quick cash.

After all, things come up and sometimes you may not have the cash on hand that you need. Or, maybe you just don't want to dip into your savings and would like to learn how to make money fast instead.

Whatever your reasoning is, there are plenty of ways to make money fast. [Read more…]

Learn more about the TIAA Difference Maker 100 Program

November 19, 2018 BY Michelle Schroeder-Gardner - Leave a Comment

This post may contain affiliate links. Please read my disclosure for more info.

Learn more about the TIAA Difference Maker 100 Program

The following is a sponsored post in collaboration with TIAA.

TIAA is a leading financial services provider for those in the nonprofit, academic, research, medical, and governmental fields, with over 15,000 institutions and 5 million individuals served.

They are a different kind of financial services company, helping people in these fields meet their financial goals through their global and diversified financial services. TIAA continues the legacy built by Andrew Carnegie, who helped create TIAA in 1918 to ensure teachers could actually retire.

Yes, in 1918! [Read more…]

How I Made $145,319 in October 2018 While Traveling

November 14, 2018 BY Michelle Schroeder-Gardner - 37 Comments

This post may contain affiliate links. Please read my disclosure for more info.

How I Made $145,319 in October 2018 While Traveling #makemoneyblogging #howtomakextramoney Welcome to October 2018's business income report where I show you how I made money online last month. It's time to look at this month's update and see how I did.

If you're new to Making Sense of Cents, you may be wondering why I would want to publish my income report each month. You can simply skip to the next section if you're not new here.

This all started out as my extra income report because, in the beginning, it was all about the money I was earning from my side jobs. In my side income reports from the beginning, I included all of the income I made except for what I made at my day job.

However, I left my day job as a financial analyst in October of 2013 and now my monthly income reports consist of the many ways I earn a living.

Many have asked why I would ever want to publicly post my income each month. Some think I'm crazy, whereas some are glad I'm open about what I'm doing. Whatever you think, I enjoy publishing my monthly online income reports and I share them publicly for three main reasons: [Read more…]

Black Friday 2018 Doesn’t Have To Be The Start Of Holiday Debt

November 12, 2018 BY Michelle Schroeder-Gardner - 8 Comments

This post may contain affiliate links. Please read my disclosure for more info.

Black Friday 2018 Doesn’t Have To Be The Start Of Holiday Debt #blackfriday #howtosavemoney It’s almost Black Friday 2018, which will start the largest shopping season of the year. And, the average person will spend around $900 on gifts this holiday season.

That amount doesn't even account for other holiday spending, such as travel costs, food, get togethers, decorations, and more. And while the holidays are a great time to spend with your family and friends, all of that unplanned spending can easily add debt if you aren’t prepared

In fact, according to a survey done by MagnifyMoney, American consumers took on an average $1,000 worth of debt in 2017 holiday spending, and that number has grown in the past few years.

Putting your holiday spending on a credit card is a major problem because of the interest and finance charges you will rack up if you can’t pay your credit card off when the bill comes. That will hurt your credit score, your credit history, your debt to income ratio, and more. [Read more…]

12 Strategies I Used To Avoid Getting Buried in Student Loan Debt

November 9, 2018 BY Michelle Schroeder-Gardner - 7 Comments

This post may contain affiliate links. Please read my disclosure for more info.

Today, I have a great guest post from Matt from Method To Your Money. Here are the strategies he used to graduate (nearly) debt-free from college.

12 Strategies I Used To Avoid Getting Buried in Student Loan Debt #payoffstudentloans #studentloans #debtfreejourney #moneysavingtips If you’re getting ready to attend college, or if you’ve got kids who are preparing to go off to school, student loans can sometimes feel like a forgone conclusion.

In fact, over 70% of graduates leave school with significant student loan debt. That’s 44 million people who owe $1.5 TRILLION dollars, or around $37,000 per person!!

It’s all a bit INSANE!!

But what if I told you that I have found a way to avoid being one of those indebted graduates, a series of strategies to avoid the anchor of student loans and to start your career off on the right foot? A method that I’m already starting to instill in my children so that when they go to college, they’ll be fully prepared to CRUSH it both in the classroom and with their bank accounts.

My family was firmly entrenched in the middle class. My dad is a pastor and my is mom a nurse. Growing up, money was not a limitless resource and my parents always made decisions with finances in mind. [Read more…]

The Best Money Advice I’ve Ever Received

November 7, 2018 BY Michelle Schroeder-Gardner - 24 Comments

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The Best Money Advice I’ve Ever Received #moneysavingtips #howtosavemoney

I’m often asked about the money advice that has helped shape the life I live today.

While I still have a lot to learn, I have grown a lot in just the past few years, and part of that comes from following the things I’m sharing with you today.

And, I am happier than I have ever been. I run a business I love, I have the option to retire whenever I want, I am quite frugal, I'm not the spending disaster that I once was, and I travel full time.

Now, to preface this article, I have not always been good with money. Just a few years ago, I was actually quite horrible with money.

I lived paycheck to paycheck, had student loans, didn't save for retirement, had a car payment, and all of that added up to A LOT of financial stress. I still vividly remember the constant worrying that went along with all of that– it was a horrible feeling. [Read more…]

How to Protect Your Credit

November 6, 2018 BY Michelle Schroeder-Gardner - Leave a Comment

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In partnership with TransUnion.

Recently, I published How Paying Off $40,000 In Student Loan Debt Changed My Life. In that article, I talked about how I paid off my student loans, but mainly about credit and how to manage it.

Today, I want to talk about how protecting your credit is the next part of managing your credit.

According to a national survey conducted by TransUnion, security of personal data is something that the average person thinks about, but is unsure of how to deal with – 75 percent of respondents stated that they had become more concerned about data breaches in the past year and more than 75 percent of respondents know someone who has been affected by fraud or a data breach.

However, only 15 percent of respondents feel highly confident they have the tools they need to protect themselves from fraud and data breaches. [Read more…]

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