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96 Money Tips That Will Change Your Life

Last Updated: December 28, 2020 BY Michelle Schroeder-Gardner - 1 Comment

Disclosure: This post may contain affiliate links, meaning I get a commission if you decide to make a purchase through my links, at no cost to you. Please read my disclosure for more info.

We’re looking at a new year already! Are you ready for it?

As the year comes to a close, it’s a great time to round-up all of my blog posts on Making Sense of Cents from the past year in one easy spot so that you can check them all out.

I have divided all of my blog posts into the following categories:

Freebies you can sign up for
Money saving tips
Pay off debt tips
Money management tips
Make money blogging
Make extra money or work from home
Life, motivation, and inspiration
Save money on food
Travel

Also, I have a private community group for readers of Making Sense of Cents. If you want to improve your life and your financial situation, join here and let’s all help one another out!

You can join the private community group here.

Enjoy these money tips! [Read more…]

10+ Of The Best Free Blogging Resources

Last Updated: December 21, 2020 BY Michelle Schroeder-Gardner - 4 Comments

Disclosure: This post may contain affiliate links, meaning I get a commission if you decide to make a purchase through my links, at no cost to you. Please read my disclosure for more info.

Are you looking for the best free blogging resources?

If so, then you’ve come to the right place!

Maybe you are thinking about starting a blog, or maybe you want to work on growing the blog you already have.

I love to help people start and grow their blogs because starting my blog is something that truly changed my life for the better, and I now love what I do.

I started Making Sense of Cents and have built a great business with it. It has allowed me and my husband to leave the day jobs we disliked to pursue something that we love.

Now, we travel full-time, make a great living, have a flexible schedule, have more time to spend with loved ones, and we are able to retire early.

But, it definitely didn’t start out that way.

I randomly started my blog and had no idea what I was doing. I didn’t know how to make money blogging, how to get traffic to my site, what SEO was, and more. My blog started as a hobby, and I was completely clueless. [Read more…]

How I Buried Myself $30,000 in Debt and Dug My Way Out By Age 30

Last Updated: December 18, 2020 BY Michelle Schroeder-Gardner - 2 Comments

Disclosure: This post may contain affiliate links, meaning I get a commission if you decide to make a purchase through my links, at no cost to you. Please read my disclosure for more info.

Hello! Today, I have a great debt story from Marcus Garrett. He is the author of the Amazon Kindle bestselling book, D.E.B.T. Free or Die Trying: How I Buried Myself $30,000 in Debt and Dug My Way Out by Age 30. Enjoy!

Interesting enough, most of my personal debt ($26,000 to be exact) actually came from one impressively ignorant debaucherous weekend of spending. Today, I have an 800 FICO Score, a business focused on personal finances, branding, and helping people establish their own personal systems to achieve their goals.

I am living proof there is life after debt.

I’ve often been asked, “Do you regret spending that $26,000 in 72-hours?”

It’s complicated.

To understand my response, you first have to understand how I went about burying myself $30,000 in debt by age 23.

It was one of the funnest weekends of my entire life. It was the case of a classic Texas two-step. [Read more…]

Your 2021 Goals – How To Set And Reach Goals In The New Year

Last Updated: December 31, 2020 BY Michelle Schroeder-Gardner - 6 Comments

Disclosure: This post may contain affiliate links, meaning I get a commission if you decide to make a purchase through my links, at no cost to you. Please read my disclosure for more info.

Do you plan on setting 2021 goals for yourself?

If you’re like many people around the world, the answer is probably yes.

Whether you want to call it a New Year’s resolution or a goal, having goals for yourself can be a great thing. And, the new year is the perfect time to think about what you want your future to be like.

Setting goals for the new year is a long standing tradition.

However, only about 8% of people actually achieve their New Year’s goals each year. And, only 75% of those who are setting 2021 resolutions will follow through with them after the first week of the year.

It’s crazy that 25% of people will stop working towards their resolutions after just the first week! And by June, more than half of the people who set 2021 resolutions will have forgotten about them.

So, why do so many people fail to reach their goals each new year?

There are many reasons for why goals aren’t met, and a lot of it has to do with how you set your goals.

Is your goal specific enough?
Is your goal achievable?
Is your goal realistic?

These factors can have a huge impact on whether or not you are able to reach your goals. [Read more…]

7 Myths About Work From Home Jobs & What It’s Really Like

Last Updated: December 7, 2020 BY Michelle Schroeder-Gardner - 1 Comment

Disclosure: This post may contain affiliate links, meaning I get a commission if you decide to make a purchase through my links, at no cost to you. Please read my disclosure for more info.

I have been working from home or while traveling full-time since around 2013, and since then I have heard so many myths about work from home jobs.

Some of the things that I’ve heard over the years include:

“Working from home must be boring.”

“You must have so much free time to get chores done!”

“Aren’t all work from home jobs scams?”

“Working from home isn’t a real job”

Whether you work for yourself and your office is in your home, or if you telecommute and work for someone else, I’m sure you’ve heard some of these myths about work from home jobs as well.

Truth is, so many people think that working from home is something different, until they get to experience it. [Read more…]

My True Travel Insurance Story – A Broken Leg & Surgery in the Dominican Republic

Last Updated: December 2, 2020 BY Michelle Schroeder-Gardner - 8 Comments

Disclosure: This post may contain affiliate links, meaning I get a commission if you decide to make a purchase through my links, at no cost to you. Please read my disclosure for more info.

Today, I have a great article written by my sister-in-law and editor, Ariel Gardner. She is sharing her travel insurance review story, and goes in-depth on the travel insurance process. I asked her to write about this because I feel like it’s not really discussed, yet there is a lot to learn! You may have seen her here before talking about taking her side hustle full-time, living in a small house, real life frugality, and more.

Earlier this year, I was enjoying myself on a relaxing Caribbean cruise with one of my best friends.

I had breakfast delivered to my room every morning, drank fancy cocktails in the evening, and barely thought about the travel insurance policy I bought just in case.

On the fourth day of our cruise, we docked in Santo Domingo, Dominican Republic and disembarked to explore the city. Our group ended up at Fortaleza Ozama, a Spanish fort built in 1502.

We walked up four or five flights of stairs to get a view from the top, and on the first step back down, I fell and broke my leg.

It wasn’t a major fall.

But I twisted my leg in just the right way to end up with a spiral fracture that broke several bones in my ankle, my tibia, and fibula.

There was so much chaos as we figured out how to handle everything, from whether or not to have surgery in the Dominican Republic and how to fly my husband down.

On top of everything, this was at the beginning of March 2020, just as the U.S. and many other countries were shutting their borders down because of COVID-19. [Read more…]

20 Of The Best Entry Level Work From Home Jobs

Last Updated: November 30, 2020 BY Michelle Schroeder-Gardner - 9 Comments

Disclosure: This post may contain affiliate links, meaning I get a commission if you decide to make a purchase through my links, at no cost to you. Please read my disclosure for more info.

Looking for entry level work from home jobs?

Are you wondering, “How can I work from home with no experience?”

I know it may seem like every job out there today requires several years of experience. This makes it very difficult to find a job, especially if you are brand new to the field and trying to get your start.

It can be difficult to find a way to make money from home when you are brand new, but it’s not impossible to find entry level work from home jobs.

Everyone has to start somewhere, and if you want to start working from home, then I have a great list of no experience work from home jobs for you to look into.

Now, just because these jobs, businesses, and ways to make extra money don’t require experience, it does not mean that they will be easy! Remember, good things don’t come easy.

You may have to learn a new skill, take a course, and so on. [Read more…]

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