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This Easy Product Gives You a Customized Plan to Help Achieve Your Credit Score Goals

May 10, 2019 BY Michelle Schroeder-Gardner - Leave a 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.

Image Source: Ivory Mix

Disclaimer: This article was sponsored by TransUnion and contains affiliate links to their products. I received a [free demo and free trial] of the product to use and am being provided compensation for my review of the product. All thoughts and opinions are my own. My experience is my own, and your experience may differ.

Are you trying to improve your financial situation, and reach your credit score goals, but don't know how to begin? Do you want personalized recommendations on how to reach your credit goals so that you know exactly what steps to take next? [Read more…]

Money And Relationships: Are You On The Verge Of Calling It Quits?

May 8, 2019 BY Michelle Schroeder-Gardner - 14 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.

What To Do When Your Partner Is A Financial Disaster #moneymanagement #manageyourmoney

Is love enough for a healthy and happy relationship, especially when it comes to financial troubles? What if your partner was hiding a secret account or was lying about their spending? Are those issues you could work past?

Unfortunately, negative issues with money and relationships are incredibly common. I actually receive lots and lots of emails from readers who are struggling with some of these exact issues. Hardly a day goes by when I don’t get a question or comment from a reader who has concerns about the bad spending or savings habits of their partner.

Here are a few of the situations I’ve been asked about:

My partner earns $50,000 a year and wants to buy a $900,000 house, and we have NO savings. How do I explain why this won’t work?
My partner has the mistaken idea that if he has a coupon for Best Buy, Bed Bath and Beyond, etc. that he must absolutely buy something because he’s “losing money if I don’t use the coupon.” He is a hoarder and spends all of his money on stuff that he will never use. How do I help him work past his issues before it’s too late for us?
My partner spends over $1,000 a month on entertainment but we have a lot of debt. How should I approach them about it?
My partner is hiding her spending from me and I know it’s happening. How do we work through this?
My partner isn't trying to find a job but we desperately need the money. What should we do?

[Read more…]

How To Earn Money Blogging: Your Top Questions Answered

April 29, 2019 BY Michelle Schroeder-Gardner - 45 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.

Blogging completely changed my life, and it's funny to think that I literally had no idea what blogs were until right before I started one in 2011.

Back then, I also never realized that you could learn how to earn money blogging. I don't think I even looked into it because that was never my goal when I first learned how to start a blog. I certainly never thought blogging would drastically change my future, but I’m so glad I gave it a shot.

I had so many questions when I started my blog, and I learned 99% of what I know that hard way – by making mistakes.

I know that many new bloggers probably have some of the same questions I had because I receive around 100 emails a day from readers wanting to know how to start a blog, how to earn money blogging, and more. So, I'm hoping today's post will help you solve your blogging questions.

I know that blogging can seem scary in the beginning, but remember that most other bloggers were in the exact same place you were when they started. [Read more…]

How Amanda Paid Off $133,763 In Debt in 43 Months

April 24, 2019 BY Michelle Schroeder-Gardner - 25 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.

How Amanda Paid Off $133,763 In Debt in 43 months #debtpayoff #payoffdebt

My monthly Extraordinary Lives series has been a lot of fun, and I’m back with another inspiring interview. First up was JP Livingston, who retired with a net worth over $2,000,000 at the age of 28. Today's interview is with Amanda, who is now living debt free after paying off $133,000 in three years and seven months.

I've been following Amanda – @debtfreeinsunnyca – on Instagram for quite some time, and I'm so happy that I was finally able to interview her!

In this interview, you'll learn:

How Amanda got into debt.
Why she decided to get out of debt fast.
The expenses she cut so that she could pay off her debt quickly.
What she thinks about the cash envelope method.
The sacrifices she made to reach her goal.
What she did to stay motivated.

And more! This interview is packed full of valuable information! [Read more…]

Is Full-Time Traveling As Good As It Sounds?

April 22, 2019 BY Michelle Schroeder-Gardner - 24 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 want to travel long-term? In this article, I talk about the downsides of full-time traveling, and whether full-time travel is for you. #fulltimetravel #travel I know that traveling full-time sounds fascinating – you get to explore new places, bring your home everywhere you go, try new foods, meet new people, and more.

But, it's not always beaches, mountains, and other beautiful landscapes.

I’m definitely not complaining and I am very thankful for the life I get to live. However, while I once believed that full-time travel was the greatest thing ever, lately I have been feeling oh so tired!

Over the last few months, I have seen countless friends and travelers that I know stop traveling full-time, all for various reasons. And, each time someone quits, I have stopped and thought about my own life and full-time traveling journey. [Read more…]

Why All Bloggers Need An Email List

April 20, 2019 BY Michelle Schroeder-Gardner - 11 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.

Why All Bloggers Need An Email List My biggest blogging mistake is that I waited years to start an email list, and then even longer to take it seriously. I finally started taking my email list seriously around 2016.

I was about to launch my course, Making Sense of Affiliate Marketing, and realized that I really needed an email list. I was collecting the occasional email address about a year before then, but I was doing absolutely nothing with it, and I don't think I even had any email optins on Making Sense of Cents – there was no way for people to subscribe!

So, when I was creating my first course, I realized that I really needed to learn anything and everything about building an email list.

I had no clue how anything worked. I didn't know how to send a newsletter, I didn't know how to get people to join my email list, and so on and so on. [Read more…]

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