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The Ultimate Guide of Over 50 Money Saving Tips For 2019

January 16, 2019 BY Michelle Schroeder-Gardner - 17 Comments

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

The Ultimate Guide of Over 50 Money Saving Tips For 2019 #savingtips #bestmoneysavingtipsHow much money do you save each month? Do you wish you had some more money saving tips for 2019?

If you're looking for some of the best money saving tips, then you've come to the right place! There are many ways to learn how to save money, and today I'm going to tell you about them.

I am often asked for my best money saving tips from people who are having a difficult time saving money, and there are often many saving tips that I can help them with. This is because it can sometimes be very difficult to see where you are wasting and/or spending too much money. Often what is obvious to one, may be hard for another to notice.

Even if you're already taking part in some of the best ways to save money, if you could just find a few more saving tips (or as many as you can!), you may be able to improve your financial situation so that you can live your dream life. [Read more…]

17 Comments
Filed Under: Budget, Debt Tagged With: Best Money Saving Tips, Budget, Debt, How to save money

80 Ways To Make Money On The Side in 2019

January 14, 2019 BY Michelle Schroeder-Gardner - 14 Comments

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

80 Ways To Make Money On The Side in 2019 #waystomakemoney #makeextramoneyIf you want to learn new ways to make money in 2019, then you’ve come to right place! Learning how to make extra income has completely changed my life for the better, and with the things I’ll talk about today, you can find several ways to make money that will work for you.

Learning how to make money on the side of my day job helped me pay off $38,000 in student loans within 7 months. I eventually turned my side hustle into a full-time job (blogging!), and I can now travel full-time, pursue my passions, and more!

On Making Sense of Cents, I talk a lot about different ways to make money on the side because I believe that earning extra income can completely change your life. You can stop living paycheck to paycheck, you can pay off your debt, reach your retirement earlier, and more.

Making extra income is the best way to start paying off your debt, put more towards savings, and work towards financial independence. [Read more…]

14 Comments
Filed Under: Budget, Debt, Extra Income Tagged With: Budget, Extra Money, Ways to make money

Life Insurance is More Affordable and Easier To Get Than You Think

January 11, 2019 BY Michelle Schroeder-Gardner - 9 Comments

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

Life Insurance is More Affordable and Easier To Get Than You ThinkThe following is a sponsored partnership with Ladder. Ladder has been featured on The Wall Street Journal, MarketWatch, Bloomberg, and more.

So many people skip out on life insurance, because they think it's too hard and too expensive.

According to Life Insurance Awareness Month facts (from September 2017), around half of the people in the U.S. do not have life insurance. And, those who do have life insurance typically have much less coverage than they need, at an average of just $168,000.

Many of the people who do have life insurance, just take what is given by their employer. Let me say, that life insurance through work is not all that you need!

I highly recommend getting life insurance outside of your workplace – so that you can get the right amount (life insurance provided by your employer is usually a very low amount) and you're still covered when/if you leave your job. Many people forget to look for life insurance after leaving a job that provided it, and then realize later that they didn't have life insurance that whole time. Due to the two reasons above, I am in favor of always having your own life insurance policy and being in control of it. [Read more…]

9 Comments
Filed Under: Budget Tagged With: Budget, Life Insurance

45 Ways To Live Life To The Fullest in 2019

December 31, 2018 BY Michelle Schroeder-Gardner - 25 Comments

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

45 Ways To Live Life To The Fullest in 2019 #howtolivelifetothefullest #dreamlifeDo you feel like your life isn’t going the way you want? And, do you want to start to live life to the fullest?

If you want to make a change for the better in the new year, one that will help you live life to the fullest, today is the day to start living the life you want.

2019 is the year for you to change your life for the better.

No matter how life is going for you, I believe that we are all in charge of our life. And, even when bad things happen, we get to decide how we handle those setbacks. Because of that, I believe that everyone can live life to the fullest like they want to.

If you feel that things are not going the way you want them to go, then change it! You can improve your life and how you perceive it by changing your actions and reactions.

For that reason, I’ve packed this post with my best and most actionable tips for 2019 so that you can learn how to live life to the fullest in the new year. I know that you can make this new year your best ever. Enjoy, and I hope this year is a great one for everyone. [Read more…]

25 Comments
Filed Under: Budget, Life, Travel Tagged With: Budget, how to live life to the fullest, Travel

How I Made $90,189 Tutoring In One Year Part-Time

December 28, 2018 BY Michelle Schroeder-Gardner - 6 Comments

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

Do you want to learn how to become a tutor? Here is how Trevor earned $90,000 in one year working part-time in his tutoring business! #howtobecomeatutor #howtostartatutoringbusiness #tutorDo you want to learn how to become a tutor? Here is how Making Sense of Cents reader Trevor Klee earned $90,000 in one year working part-time with his tutoring business! If you have a laptop, an Internet connection, and enjoy taking standardized tests, you can make 6 figures part-time. He shares his expertise on how to start a tutoring business below.

Unlike a lot of people, I graduated college with a job. Unfortunately, that job immediately fell through. So, like a lot of people, I graduated college and was pretty quickly back in my parents’ house. I very quickly got tired of my mom’s dirty looks, and started applying for new jobs.

Then I got one: a tutoring job in Singapore. The tutoring part was not so new to me: I had always been good at taking tests, and I worked part-time as a tutor in college. But the Singapore part was, admittedly, quite new. I had never been to Singapore. [Read more…]

6 Comments
Filed Under: Budget, Career, Extra Income Tagged With: Budget, Career, Extra Money, How to become a tutor, Hustle Series

105 Money Tips That Will Change Your Life

December 26, 2018 BY Michelle Schroeder-Gardner - 11 Comments

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

105 Money Tips That Will Change Your Life #moneysavingtips #moneymanagement2018 is almost over, can you believe it!? As the year comes to a close, it's a great time to round-up all of my favorite 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:

  • My most favorite
  • Money saving tips
  • Debt tips
  • Money management tips
  • Make money blogging
  • Make extra money
  • Income reports
  • Life, motivation, and inspiration
  • 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!

My private group has already reached over 13,000 members and continues to grow. We can’t wait to hear from you!

You can join the private support group here.

Enjoy these personal finance tips! [Read more…]

11 Comments
Filed Under: Budget Tagged With: Budget

How My 401k Loan Cost Me $1 Million Dollars

December 21, 2018 BY Michelle Schroeder-Gardner - 27 Comments

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

How My 401k Loan Cost Me $1 Million Dollars #401kloan #retirement

Today, I have a great guest post from a reader, Ashley Patrick. She asked if she could share her story with my audience, and I, of course, had to say yes! This is her personal story about how her 401k loan cost her a ton of money and why you shouldn't take be borrowing from your 401k.

You've been thinking about getting a 401k loan.

Everyone says it's a great loan because you are paying yourself back!

It sounds like a great low risk loan at a great interest rate for an unsecured loan.

But you know the saying “if it sounds too good to be true, it probably is”.

So you're thinking, what's the catch?

I take out a loan without having to do a withdrawal and I pay myself back. I'm paying myself back at a low interest rate right, so what's wrong with that?

Well, I'm about to tell you how our 401k loan cost us $1,000,000 dollars.

You see, there are a lot of reasons to not take out a 401k loan and they all happened to ME! [Read more…]

27 Comments
Filed Under: Budget, Debt, Retirement Tagged With: Budget, Debt, Retirement

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Hello and welcome!
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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