Budget Archives - Page 2 of 125 - Making Sense Of Cents

Is Paying Off Your Debt Worth It?

April 15, 2019 BY Michelle Schroeder-Gardner - 17 Comments

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

Is Paying Off Your Debt Worth It? #payoffyourdebt #debt Paying off debt is hard work. If it weren’t so hard, then it would be no problem for people to do. But, that isn’t the case at all.

Once you decide to pay off your debt, there will challenges along the way. There will be times that you feel tired and even defeated. Paying off debt takes making sacrifices, it takes time, and you may feeling like you are the only one working towards being debt free.

There are many things that may weigh you down as you pay off your debt, and the ones I bring up are all going to feel very negative. But, I want to talk about them because they are all things that I have felt while paying off my nearly $40,000 of student loan debt. By knowing that these feelings are common, my hope is that today’s post can help you overcome difficulties that you may experience along the way.

Instead of letting these feelings or challenges completely stop you from moving forward as you pay off your debt, you should know that many of the obstacles you come across are things that you can push past and move on from. [Read more…]

10 Easy Road Trip Snack Recipes

April 8, 2019 BY Michelle Schroeder-Gardner - 2 Comments

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

Road trips are one of the best ways to travel affordably, and they can be a lot of fun for families, couples, or a way to travel on your own. Even though we no longer have a car, we did RV for several years, so we are road trip pros, haha.

Now, while road trips can be an affordable way to travel, it is also very easy to buy snacks every time you need to get gas or use the restroom. Even though they are usually somewhat cheap, the cost can really add up. That means you will probably be spending much more money than if you made your own road trip snacks in advance.

The other bad thing about the kind of road trip snacks you find in gas stations is that they are usually full or sugar, sodium, and just aren’t very healthy for you.

I have gotten much better at not grabbing candy or chips when on a road trip because I hate how it makes me feel afterwards. But, I also hate how quickly the cost of those snacks adds up.

So, if you’re wanting some ideas for healthy, make at home road trip snacks for your next adventure, then I have a great list of delicious recipes for you to try.

They are delicious snacks for anyone who might be joining you on the road, and they hardly take any time to make. [Read more…]

Last Minute Tax Tips

April 7, 2019 BY Michelle Schroeder-Gardner - 1 Comment

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

The following is a sponsored partnership with H&R Block.

The tax deadline is nearing!

Personal tax returns are due on Monday, April 15th, 2019. I recommend putting this on your calendar now, so that you do not forget because it is coming up very quickly.

Due to this, I encourage you to file your taxes as soon as you can. [Read more…]

Save Your Money And Avoid A Storage Unit

April 3, 2019 BY Michelle Schroeder-Gardner - 9 Comments

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

When we downsized our house and belongings to move into our RV, we rented a storage unit for a few months to help us deal with some things we still had left but couldn’t fit into the RV. While it was helpful at the time, we are now really happy that we got rid of our storage unit.

It’s been a few years since we got rid of it, but we're still very happy with our decision!

I won't lie, though, just a few months ago, we were talking about whether or not we should get a small storage unit again for some of the gear we have (bikes, bikes, and more bikes, and other outdoors gear that we have) and things that we have collected over the past few years while traveling.

But, we've decided not to. [Read more…]

How to use your tax refund to repair your credit

March 31, 2019 BY Michelle Schroeder-Gardner - 2 Comments

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

The following is a sponsored post with Creditrepair.com.

Are you looking to improve your credit score and your credit history? As you recently learned in What makes you a good candidate for credit repair?, your credit score is so important!

As a refresher, your credit score can influence the interest rate you receive on a loan, buying a home, finding a rental home, attaining certain jobs, your insurance rates, and more.

If you're receiving a tax refund this year, I recommend using it to your advantage and improve your life first. Yes, splurges are great, but if you have a low or not-excellent credit score and credit history, I recommend using your tax refund towards this instead.

Here are some ways you can use your tax refund to repair your credit. [Read more…]

45 financial resources with a value of $1,206.41, for just $37!

March 31, 2019 BY Michelle Schroeder-Gardner - Leave a Comment

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

Hey!

Looking to gain access to some of the best financial resources out there?

Do you want to save for retirement, pay off debt, start investing, go on vacations, and more?

Being in control of my money and personal finance situation has cut my stress significantly, so I’m always looking for products to recommend that will help you do the same.

And, this is why I highly recommend the Master Your Money Super Bundle. When you buy the Master Your Money Super Bundle you’ll gain access to:

13 eBooks
10 eCourses
11 video presentations
9 printables & workbooks

And, it's super affordable! Some of the best financial experts out there have come together to sell all of their resources together in a nice package. You can receive 45 financial resources with a value of $1,206.41, for just $37!

[Read more…]

Top 5 Credit Card Mistakes And How To Avoid Them

March 25, 2019 BY Michelle Schroeder-Gardner - 15 Comments

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

Top 5 Credit Card Mistakes And How To Avoid Them #creditcardmistakes #creditcards Even though I love credit cards because of their many benefits, I understand that they aren’t for everyone.

A family member of mine once struggled with credit cards, and they found that using a cash only budget was the best way to stay out of credit card debt. Fortunately for them, they were able to recognize their credit card mistakes and found a way to make sure they weren't adding any debt. Part of that was being proactive and noticing they had an issue with them early on.

However, others are not as lucky.

Some people rack up large amounts of credit card debt, and they do so because they aren’t aware of the credit card mistakes they might being making. According to a study done by NerdWallet, the average household in the United States (who has debt) has an average credit card debt of $15,482. [Read more…]

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