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Making Sense of Cents
makingsenseofcents
makingsenseofcents@www.makingsenseofcents.com
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My name is Michelle and I just finished living in an RV and touring North America. Now, I am living on a sailboat, SV Paradise. We sold our house several years ago, and have been traveling full-time ever since!

I am a young adult who graduated from an expensive private university in May of 2010 with a lot of student loan debt. I graduated from college after 2.5 years with two undergraduate business degrees, honors, and around $20,000 worth of student loan debt.

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makingsenseofcents@www.makingsenseofcents.com
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67 Posts
Your 2023 Financial To-Do List (15 Things To Check Off)

Do you have money tasks that you need to do but you keep putting off? Today’s financial to-do list will put you back on track so you can start checking things off your list.Financial To-Do List

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Your 2023 Financial To-Do List (15 Things To Check Off)
32 Best Stay At Home Jobs For Moms & Dads (Great, Flexible Ideas!)

Becoming a mom is one of the best things to ever happen to me, and I love that my job is flexible enough that I get to spend time playing with my daughter and watching her grow up.Best Stay At Home Jobs For Moms & Dads

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32 Best Stay At Home Jobs For Moms & Dads (Great, Flexible Ideas!)
How To Become A Ghostwriter And Make $100,000+ Each Year
Ghostwriters write books and content for others, but their names aren’t publicly shared or credited as the author. Alex Cody Foster has ghostwritten eight #1 Amazon bestsellers, wrote for one of the U.K.'s most successful thriller writers, and worked as John McAfee’s ghostwriter for six months. Alex recently created Ghostwriting University, an online course on how to become a ghostwriter. The course teaches students how to be a ghostwriters. Alex also has a free course. For students to learn beginner tips... more
How To Become A Ghostwriter And Make $100,000+ Each Year
10 Budget Friendly Meals (Easy, Delicious, & Affordable Recipes!)
Are you looking for delicious and easy budget friendly meals? Finding affordable meal options can be a huge help when you're trying to save money. Because the cost of food has gone up so much in the past couple of years, nearly everyone can benefit from having ideas for recipes for budget friendly meals. In today's post, I have ten recipes that will help you save money as you prepare tasty meals for you, you and your partner, or your family. There are vegetarian options, gluten-free meals, kid-friendly meals,... more
10 Budget Friendly Meals (Easy, Delicious, & Affordable Recipes!)
65 Life and Money Tips That Will Change Your Life
As each year ends, I like to round-up all of my blog posts on Making Sense of Cents from the past year in one easy spot so that you can check them all out and see what interests you. You can track your net worth, your cash flow, your portfolio, your investments, and more. Each day, for seven days, you will receive an email in your inbox that will help you create a successful and profitable blog, all from the very beginning.
65 Life and Money Tips That Will Change Your Life
20 Best Money Saving Apps (I’ve Used Many Of These Apps!)

Looking for the best money saving apps and websites?

When it comes to using technology to save money, there are a variety of money saving apps and websites to choose from. I’ve sifted through the best personal finance apps to find which ones will help you save the most money, and I’m sharing a list and summary of your best options.20 Best Money Saving

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20 Best Money Saving Apps (I’ve Used Many Of These Apps!)
How We Paid Off $189,000 In Student Loans In 4.5 Years
How We Paid Off The Loan As far as paying off the student loan, the process was as simple as this: evaluate and minimize costs, keep our spending in check, pay extra on the student loan, repeat. 2) Deleted, Questioned, and Lowered Spending After I listed out all our areas of spending, and figured a real or estimated cost for each area, I asked myself if I really needed to spend on the things I listed. If you'd like to explore deleting some of your own expenses, here are some helpful questions you can ask yourself,... more
How We Paid Off $189,000 In Student Loans In 4.5 Years
70+ Goal Ideas For 2023: Make This New Year The Best Yet
Whether you want to call it a New Year's resolution, a New Year's goal, or simply just a goal, setting personal goals for 2023 is a great way to start the year. If you've been wondering: What are some ideas for goals? What are some fun personal goals? How do I set goals that I can actually reach? Then this post is for you! With the New Year's goal ideas on this list, you will be ready for a motivating and exciting new year. Goal ideas for 2023: Get ready for a great new year Read a new book If you're looking... more
70+ Goal Ideas For 2023: Make This New Year The Best Yet
How I Make $400,000 Per Year Selling Educational Printables
Do you want to learn how to sell educational printables? Lisa Fink was a teacher for 15 years but left the classroom to work on her educational printables business. Are you wondering questions such as: What is an educational printable? Why do teachers and parents buy printables? How much money can a person earn by selling educational printables? Do you have to be a teacher in order to sell educational printables? Can someone with no tech skills make a printable? Today's interview will help you get started and... more
How I Make $400,000 Per Year Selling Educational Printables
My Favorite Black Friday Weekend Deals
The deals below will help you grow via Pinterest, make money blogging, add legal templates to your blog, start your own course, work from home, and more. I recently published How To Save Money During The Holidays (20+ Ways To Save & Make Money!) if you are looking for ways to save money this holiday season. The deals are available on Black Friday and Cyber Monday. There are over 9,000 students in the course, with great results. For more information on these deals, please click here.
My Favorite Black Friday Weekend Deals
How To Get A Free $40 When Shopping Online For The Holidays + $100 Giveaway
You can actually get cash back on your purchases, and it is super easy to do! For example, if you typically spend around $1,000 this time of year, and you could get an average of 5% cash back, you may be able to put around $50 back in your pocket. Over 12,000,000 people use Rakuten for cash back and they have earned over $1 billion in cash back by simply shopping online. I've been using Rakuten since 2013, and whenever I forget to use their website for cash back, I regret it! It's a no-brainer to get cash back... more
How To Get A Free $40 When Shopping Online For The Holidays + $100 Giveaway
Bask Bank Review: Earn Airline Miles For Saving Money
Bask Bank is the online-only bank division of Texas Capital Bank, Member FDIC, based in Dallas. The bank offers three types of savings accounts that allow you to earn a competitive interest rate or airline miles. You can redeem the miles that you earn for flights, upgrading your airline seat, hotel stays, and more. The more you save in your bank savings account, you can earn more miles. You can use these AAdvantage® miles.
Bask Bank Review: Earn Airline Miles For Saving Money
How We Bought A House And Only Pay A $116 Monthly Payment
A reader named Nichole first shared her story in August of 2021 about how she went from -$20,000 to a six-figure savings by 26 years old. Today she is sharing her story on how she bought a house and has a low monthly payment. The following will outline the steps my husband and I, both 27, took to buy a house during a high market. We decided not to go this route and instead, save our property taxes. Most people prefer to save their property taxes in a high yield savings account. We chose not to have an impound... more
This 33-year-old mom makes $760,000 a year in passive income
This article from CNBC has been very popular so far this month, so I just want to say hello to all of my new readers. If you are a new visitor – welcome to Making Sense of Cents! Here are some blog posts that you may find helpful and enjoy. If you have any questions, please leave a comment below or send me an email. Thanks for stopping by. For more information, please contact Michelle Schroeder-Gardner.
This 33-year-old mom makes $760,000 a year in passive income
How I Make Over $10,000 Each Month With A Niche Site
In today's interview, questions answered include: What is a niche site? How is this different from a "Normal" blog? How much money can a niche site make? How can you monetize a niche site? How long does it take to monetize a niche site? What are the most profitable niches for blogging? Mike also has a free webinar - How To Build A Money-Making Niche Site. How much money can a niche site make? How much do you earn? I recently sold a niche site for six-figures, which was making around $10,000 per month. In what... more
How I Make Over $10,000 Each Month With A Niche Site
How We Retired At 29, Travel, And Keep Our Expenses Low
Lauren and Steven Keys retired from full-time work at age 29 by working middle-class jobs, living frugally and investing 60-80% of their five-figure incomes into broad stock and bond market index funds. They were able to bank over $100,000 in two years on public schoolteacher-level salaries. The couple had a mortgage-free home by age 25. As a result, they had a Quarter-million dollar net worth. They had a $50,000 net worth in a year. For example, they were over $60,000.
How We Retired At 29, Travel, And Keep Our Expenses Low
How To Save Money During The Holidays (20+ Ways To Save & Make Money!)
Want to learn how to save money during the holidays? It's the holiday season, so you know what that means! It's time to think about holiday gifts, holiday parties, and holiday food galore! It's also time to get serious about gift shopping and party planning. Because the holidays can be so expensive, today I want to teach you how to save money during the holidays! I'm going to share ideas for keeping your holiday spending to a minimum without scrimping on the holiday cheer. Start with a holiday budget If you... more
How To Save Money During The Holidays (20+ Ways To Save & Make Money!)
Blog Income Reports From A Multi-Million Blog (My Real Reports!)
Let me know in the comments below - what would you like to see? Before I share links to my income reports, here's a little more information about my blogging journey: How much have I earned over the years from my blog? Here's a quick summary of some of my income years: In 2013, my business income totaled $116,519. How To Start A Blog Free Course If you don't have a blog, then I recommend starting off with my free blogging course How To Start A Blog FREE Course. The best courses helped me grow my blog's income... more
Blog Income Reports From A Multi-Million Blog (My Real Reports!)
The 25 Most-Asked Blogging Questions To Get You Started Today
What blogs do you currently enjoy reading? If you are thinking about starting a blog, I'm assuming it's because you probably enjoy reading blogs yourself. How do you design a blog? To create your blog, I recommend heading to my tutorial: How To Start A WordPress Blog On Bluehost. How many blog posts should I have before launching? I recommend simply just launching your blog with one blog post. How do blogs make money? Some of the ways to make money blogging include: Affiliate marketing - I recommend signing... more
The 25 Most-Asked Blogging Questions To Get You Started Today
How I Went From A 480 Credit Score To Over 750
Paul Martinez went from being a multi-millionaire on paper to being $1,000,000 in collectible debt within a few months. Martinez's credit score dropped to around 480, but he quickly realized it was going to be a combination of credit repair AND credit building that, over time, would bring his scores back over 750+. This is exactly what happened. The first major meltdown was Bear Stearns. As mentioned, the first major Meltdown was in 2008. It was not only something that was hard to see coming. You can learn your... more
How I Went From A 480 Credit Score To Over 750
How We Retired In Our 30s With $1,000,000 And Travel The World
Are you interested in early retirement? Today, I have a great interview with Kristy Shen, who retired with $1,000,000 at the age of 31. Millennial Revolution is a popular early retirement resource, so I'm excited to share this interview with you on how she reached early retirement. Who are you and what do you do? Can you go into detail on how much you saved for early retirement, how you chose that amount, etc. We are Kristy and Bryce, and we are world-travelling early retirees, having left the rat race in our... more
How We Retired In Our 30s With $1,000,000 And Travel The World
How To Start A Proofreading Business And Make $4,000+ Monthly
Ariel Gardner has been working as a proofreader, copy editor, and freelance writer for seven years. She went from earning $500 a month proofreading to regularly making $4,000+ every month. You can click here to learn more about the Proofreading Launchpad. Click here to see how to begin your own business. For more information, please click here.
How To Start A Proofreading Business And Make $4,000+ Monthly
Policygenius Review: Easy & Affordable Way To Get Life Insurance
In 2020, 54% of all people in the U.S. had some sort of life insurance. Many people don't have enough life insurance coverage, which means their policy likely doesn't meet the needs of their family. On Policygenius’ website, you can find life insurance policies from companies such as Protective, Banner Life, Lincoln Financial, AIG, Brighthouse Financial, Foresters Financial, Prudential, and more. For more information, please leave a comment. If you have any additional questions, please left a comment below,... more
Policygenius Review: Easy & Affordable Way To Get Life Insurance
How I’ve Made Over $1,000,000 With A Subscription Box Business
Sarah Williams is the CEO and founder of two 7-figure businesses, Framed by Sarah and Launch Your Box. Williams has worked with thousands of subscription box owners and those wanting to start a subscription box business. Williams says you should sign up for Sarah’s free workshop to help you figure out what you put in your subscription box and create a plan for your subscriptionbox business. For more information on how to get a subscription boxes. Click to see how to buy a new book and a new subscription box... more
How I’ve Made Over $1,000,000 With A Subscription Box Business
How I Get 100,000 Monthly Pageviews With These Pinterest Traffic Tips And Earn Over $100,000 Per Year
Not too long after, I started a personal finance blog, followed by my lifestyle blog, and so far, I'm loving it because it can feel quite passive once you've put in the upfront work and effort. From my experience working with bloggers, many people immediately pin out random images that link back to their blogs without setting up the basic things first. You could turn that chicken dinner blog post into budget-friendly chicken dinner recipes under $X. You can also write about cheap travels in NYC. Alternatively,... more
How I Get 100,000 Monthly Pageviews With These Pinterest Traffic Tips And Earn Over $100,000 Per Year
11 Years & $5 Million Later: What I Love & Have Learned About Blogging
Blogging completely changed my life for the better, and I urge anyone who is interested to learn how to start a blog as well. Bloggers should be open to making blogging friends, attending conferences, sharing other blogs' content with their readers, liking posts on social media, and more. Networking can help you enjoy blogging even more, develop your skills, learn how to make money blogging, make great connections, and more. If you want to make money blogging, then you should network with others! After all,... more
11 Years & $5 Million Later: What I Love & Have Learned About Blogging
Ask Me Anything
Hey, Today is a new Ask Me Anything here on Making Sense of Cents! Ask Me Anything is literally that - you can ask me anything. Seriously, ask me anything in the comments below, and I will take the time to answer every single one. Here are links to common questions I've received in past Ask Me Anythings: How To Start A Blog Free Course - With this free email course, I will show you exactly how to create a blog, from the technical side all the way to earning your first income and attracting followers. Each day... more
How I Started A $650,000 Per Year Litter Cleanup Business
Do you want to learn how to start a litter cleanup business? Here's how you can start a parking lot litter cleanup business and earn $30 to $50 per hour. Are you wondering questions such as: How much can a person earn with a parking lot litter cleanup business? What are the pros and cons of having a litter cleanup business? Why would businesses pay for a litter cleanup service? How much does it cost to start a litter cleanup business? How do you find customers for your parking lot cleanup business? If so, please... more
How I Started A $650,000 Per Year Litter Cleanup Business
How To Simplify Your Financial Life – 12 Best Tips
Taking a minimalist approach to personal finance will mean different things to different people. Some people will want to get out of debt, while others want to create a better process for paying their bills. The benefits ofsimplating your finances are that you are reducing financial clutter and spending more time and less time on the things you truly enjoy. You can pay bills like car and homeowners insurance every six months. For more information, visit www. Personal Capital.com.
How To Simplify Your Financial Life – 12 Best Tips
Best Baby Gear – 2022 Guide For New Parents
The areas we will talk about in this best baby gear guide include: Pregnancy, birthing, and new parent courses All about different baby registries How to get a free baby box Pregnancy and new mom gear Best baby gear Baby bath and diapering essentials Baby sleep essentials Breastfeeding gear Baby clothing What you need to financially prepare for a baby How to take maternity leave when self-employed Now, you definitely do not need everything on this list. Best Baby Gear & New Parent Essentials Pregnancy, birthing,... more
Best Baby Gear – 2022 Guide For New Parents
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