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2020 Business and Life Review

Last Updated: January 6, 2021 BY Michelle Schroeder-Gardner - 54 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.

Welcome to my 2020 Business and Life Review!

Usually, I separate my travel and business annual review content into two separate blog posts, but this year I’ve decided to combine it into one.

2020 was a different kind of year, and I’m sure nearly everyone would agree with that statement.

It was a tough year for a lot of people, and I completely understand.

I feel very grateful for the life that I get to live, but it was a hard year for me as well. I lost two important family members in my life, my grandma as well as my dog who was my best friend for almost 14 years.

[Read more…]

54 Comments
Filed Under: Life, Travel Tagged With: Life, Living on a sailboat, RV, Travel

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…]

8 Comments
Filed Under: Budget, Travel Tagged With: Budget, Travel, travel insurance review

How To Rent An RV: The Best Tips For Your First RV Rental

Last Updated: November 8, 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.

Want to learn how to rent an RV? Today, I’m going to talk about the best way to rent an RV, if renting is cheaper than a hotel, what to know before renting an RV, and more.how to rent an rv

While I no longer live full-time in an RV (we’re now living full-time and traveling via sailboat!), I lived in one for several years and still own one. When we’re not on the boat, we live full-time in the van.

RVing is something that I absolutely love, and I think that traveling or living in an RV will ALWAYS be a part of my life!

What I love so much about living in an RV or van is that you have your whole house with you while you visit beautiful places. You can park right next to hiking and biking trails, next to the mountains or beaches, and more.

When we first sold our house to live in an RV full time, people thought we were crazy. We got rid of more than half of our stuff and started driving across the country.

But, as I started sharing our experience with our friends and family, more and more people started to realize it wasn’t crazy at all – it was amazing! [Read more…]

9 Comments
Filed Under: Budget, Travel Tagged With: Budget, how to rent an RV, RV, Travel

How I Travel Full-Time By RV And Boat With My 2 Dogs

Last Updated: November 8, 2020 BY Michelle Schroeder-Gardner - 7 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.

Traveling with a dog is a lot of fun, but there are some important things to consider so you and your pet are prepared. 

How I Travel Full-Time By RV And Boat With My 2 DogsSometimes people think we are crazy for bringing our dogs on our adventures, but I wouldn’t have it any other way. For us, it’s like bringing your kids along, haha! 

Since we’ve been doing this for several years and in so many different ways, I figured I would be a good person to share what it’s like traveling with a dog for anyone who is interested in learning how it’s done.

You might be interested in going on a roadtrip with a dog. Maybe you want to sail or RV full-time with them, or perhaps you just want to take your furry companion on your next week long vacation. 

Whether you want to travel full-time with your pets, or if you want to just go on the occasional trip, hopefully my experiences will help you.

Traveling with a dog has been a huge learning process for me.

We’ve had to go slow and learn what works for our dogs. I say this because there is no single right way to travel with pets. So, you may have to adjust a little for your specific animal, as all animals are different and have different needs. We even see differences between our two dogs in how they travel. [Read more…]

7 Comments
Filed Under: Pet, Travel Tagged With: Living on a sailboat, RV, Travel

10 Easy Camping Meals For You To Try

Last Updated: August 15, 2020 BY Michelle Schroeder-Gardner - 5 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.

Camping is super popular, and I completely understand why.

Being able to camp is amazing. You can breathe in the fresh air, embrace the outdoors, try something new, connect with nature, and more.

Whether you are camping with a tent, RVing, trying out van life, or something else, easy camping meals are always great to have.

With these 10 easy camping meals, you’ll have a bunch of delicious and budget-friendly meal options.

These easy camping recipes are simple and have quick clean up and prep. 

What I love the most about these easy camping recipes is that you will end up with meals that are more interesting than what you may normally have. And, because you can prep some of these meals in advance, you can spend more time having fun while you’re camping. [Read more…]

5 Comments
Filed Under: Budget, Travel Tagged With: easy camping meals, Food, Travel

Full-Time RV Travel With Kids – Are They Crazy?

Last Updated: November 8, 2020 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.

Hey everyone! Today, I have a great article from Jacob Wade on how to become a full-time RV family. I’ve known him for years now and it’s been so much fun watching him and his family on this RV adventure that they are on. Jacob Wade is the budgeting expert who started iHeartBudgets, a place where Millennials and young families come to learn EXACTLY how to build a budget that WORKS. Jacob quit his job in 2018, sold his house and 95% of everything they owned to take off on an adventure of a lifetime. He is now on mission to spread the message of Financial Freedom around the country, and help others build a “Freedom Plan” of their own!

Full-Time RV Travel With Kids

18 months ago, I quit my job, we sold (almost) everything we owned (including the house), and we hit the road with 3 kids, 6 and under! 

Hello Making Sense of Cents family! 

I’m Jacob Wade, Founder of iHeartBudgets.net, and Michelle was kind enough to let me share our story with you fine folks today. 

I know Michelle has shared all about her adventures around the U.S. in an RV (and in her sailboat!), and I as I’ve read through her stories, I found myself nodding my head all the way through.

There is something about giving in to your sense of adventure, having a curiosity to explore and taking hold of the FREEDOM that is right in front of us!

We’ve had such an incredible journey over the past 18 months, and get SO MANY questions about what it takes to up and leave EVERYTHING.

So today I’ll talk through the details of HOW we saved for and planned our adventure, what it looks like to sell EVERYTHING and downsize our family into 300 sq. ft., and the day to day of traveling full time WITH KIDS.

And hopefully inspire some of you who feel “stuck” to take a chance at something BIG! [Read more…]

11 Comments
Filed Under: Budget, Travel Tagged With: Full time RV family, RV, Travel

13+ Easy Zero Waste Swaps That Will Save The Environment And Money

Last Updated: November 8, 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.

Are you looking for easy zero waste swaps that are good for the environment and will help you save money?

Easy Zero Waste SwapsI’m always looking for things that I can reuse, and I love when I am able to find easy zero waste swaps.

Not only do they produce much less waste, but many times I am able to save money and space (because I don’t have to store as much!). So, many of these easy zero waste swaps are great if you travel full-time as well!

If you’re not sure what I mean by easy zero waste swaps, I am talking about replacing disposable household products with ones you can reuse over and over again. And, there are swaps for all over your house – there are low waste swaps, plastic free swaps, and more.

As a full-time traveler, one of the problems we have with disposable items is that we have to store a lot of things, and many of them will just be thrown away. [Read more…]

2 Comments
Filed Under: Budget, Travel Tagged With: Budget, easy zero waste swaps, Travel

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My name is Michelle and I'm the author/owner of Making Sense of Cents. Learning how to save money and make more money changed my life. It allowed me to pay off $40,000 in student loans, start my own business, and I now travel full-time.
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