Writers1 Archives - Making Sense Of Cents

10 Ways To Save Money For The Average Person

October 27, 2018 BY Michelle Schroeder-Gardner - 5 Comments

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

This post is brought to you by CJ Affiliate’s VIP Content Service. While this was a sponsored opportunity from CIT Bank, all content and opinions expressed here are my own. See site for details and disclosures.

Everyone wants to save more money, right? In reality, I haven't met to many people who say that they save too much. In fact, now that I'm thinking about it, I actually never have, haha!

If you're looking for money saving strategies, then you've come to the right place.

As a personal finance expert, I see a lot of ways that people may be wasting their money, or, at least, not saving money to their best potential.

Even if you're already taking part in some of these money saving strategies, if you could just find a couple more ways, you may be able to reach your financial goals a little more quickly. [Read more…]

Why it makes sense to invest with friends

October 8, 2018 BY Michelle Schroeder-Gardner - Leave a Comment

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

This is a collaborative post in partnership with Voleo.

With over-the-top movies like The Wolf of Wall Street and the Big Short, it’s easy to see why many people are intimidated by investing. What most people don’t realize is that you don’t have to work in finance to be a great investor. By keeping up with industry news and doing a bit of research, stock investing can be an exciting and rewarding side hustle. If you’re thinking about trading stocks, forming an investment club with friends could be a perfect way to get your financial future off to a flying start. Here’s our take on why it makes to invest with friends.

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While you don’t need to be a rocket scientist to understand investing, it does take some time to learn the ins and outs of stock markets and stock selection. This is where the combined resources of a group can be incredibly useful. Individuals who share the time-consuming legwork of researching potential investments can be of great value to the group as a whole. The vast amount of information gathered and the different perspectives and insights shared within the group are bound to provide a faster learning process than doing it alone. [Read more…]

Why Check Your Credit Report and Credit Score? Why Wouldn’t You?

June 14, 2018 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.

By Jeff Hoyt, MoneyTips.com

Sometimes people ignore important warning signs – such as a stop sign, the expiration date on their yogurt, or that rapidly spreading rash. You might ignore those signs and come out okay, but why take that chance?

Your credit report and credit score act as similar warning signs for your financial health. Ignore them at your own risk. [Read more…]

Join the Down Payment Movement

March 6, 2018 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. All opinions are 100% my own. This movement is powered by Unison.

Hello!

I have partnered with several amazing personal finance bloggers to help you save for your down payment on your next home.

Why am I doing this, you ask?

I want to help motivate my readers to save for their down payment for their home. I know many of you are interested in purchasing a home, but may not have the motivation to actually save for your down payment – and your down payment is so very important!

I purchased my first house at the age of 20. See, I needed a place to live (I was on my own since I was around 18 years old and my dad passed away. I received no inheritance, and desperately needed a place to call my own.

I was young, though, and I made so many mistakes when it came to purchasing a home. While I did manage to buy my own home when I was very young, there were so many mistakes that I made.

One thing I did was that I didn't save enough for a large enough down payment. Instead, I put the smallest amount that I could down and this led to me paying PMI. I recommend reading Can You Remove PMI From Your Mortgage? to learn more about PMI. [Read more…]

4 Great Self Care Online Classes You Should Take (Plus Thousands of Other Classes to Up Your Game)

February 25, 2018 BY Michelle Schroeder-Gardner - 7 Comments

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

The following is a sponsored partnership with Skillshare. All opinions are 100% my own.

It's funny, when you're younger, I feel like you'll do anything to rush through school and not be learning all the time. I still vividly remember being in college and there being an older person in one of my classes. Everyone asked him “why are you taking this class if you're not trying to get a degree?”

No one could understand and we all thought he was crazy. He then replied that when you get older, that you will enjoy learning new things. I still remember that like it was yesterday, and now I completely understand it now. I am always wanting to learn new things now, and it's always a joy to do.

Recently, I learned about Skillshare and I am so excited to share it with you all. Skillshare is an online learning community for designers, photographers, marketers, entrepreneurs, really anyone! They have more than 18,000 classes in the broad categories of creative, business, technology, and lifestyle.

And, it's affordable. [Read more…]

Looking for a free checking account?

February 18, 2018 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 Radius Bank.

Looking for a free checking account?

Lately, I keep hearing from you, my readers, about how hard it is to find a free checking account. Trust me, I've noticed!

It seems like many of the big banks are charging monthly costs for a checking account, and you shouldn't have to pay for that!

So, if you are looking for a new checking account with no monthly fees or minimum balance requirements, then this is the blog post for you.

Radius Hybrid is a free checking account that takes less than 5 minutes to open an account, and you can do it online!

Unlike other checking accounts, Radius Hybrid is a high interest checking account offering a 0.85% APY. That rate is not introductory, so it’s not going to drop down to basically nothing after the first few months. There is no cap on balances that earn the 0.85% APY rate either. Along with that, balances are FDIC-insured up to $250,000. [Read more…]

8 Free Resources To Grow Your Blog

February 16, 2018 BY Michelle Schroeder-Gardner - 14 Comments

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

If you're looking to start a blog or if you already have one, I have some great free resources and guides to share with you today.

First, if you don't have a blog, then I recommend starting off with my free blogging course How To Start A Blog FREE Course.

I started my blog, Making Sense of Cents, in August of 2011 and have built a great business. It allowed me and my husband to leave the day jobs we disliked to pursue something that we loved. Now, we travel full-time, make a great living (last month we made over $100,000 blogging), have a flexible schedule, have more time to spend with loved ones, and we will be able to retire early.

If you already have a blog or if you are thinking about starting one, I recommend checking out these free resources below as well:

Affiliate Marketing Cheat Sheet – With this time-saving cheat sheet, you'll learn how to make affiliate income from your blog. These tips will help you to rapidly improve your results and increase your blogging income in no time.
8 Easy Tips To Make Money From Sponsored Posts On Your Blog – Sponsorships on your blog are a great way of earning a living online. Learn how I made my first blogging income, and how I'm now making $10,000-$20,000 a month with sponsored partnerships! This is a free cheatsheet.
7 Surefire Ways to Boost Your Blog Income Overnight – This free ebook gives great tips on how to increase your blogging income.
120 Awesome Blog Post Ideas – Are you struggling to come up with new content for your blog? Here are 120 great blog post ideas that will help you beat writer’s block and create great content.
Blog Structure Blueprint – This freebie will help you to create an organized blog.
The New Blogger's Guide To Guest Posting – Guest posting is a great way to improve your blog traffic. However, there is a right and a wrong way to go about it. Here's exactly what you should do!
Goal Setting Workbook – Do you want to learn how to work smarter, not harder? This Goal Setting Workbook for Bloggers is the perfect tool to help you take back your time by allowing you to clarify your purpose and prioritize what's really important.
The Secret Blueprint For Blogging Success – This shows you the exact steps you need to grow your blog and make money!

Enjoy!

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