How We Just Scored a $100,000 House for Just $75,000

Are you looking for deals on real estate, but can’t seem to find them? Sure, the market’s hot right now, but that doesn’t mean that there’s no deals to be had – you’ve just got to dig wider, deeper, and probably get a bit creative with your digging style! If you’re constantly on the lookout for a deal on real estate, then you might want to incorporate this … [Read more...]

Systems for Your Email: How to Automate Your Inbox in Minutes

Are you overloaded with your email inbox? If you’re looking for a system to automate your email in just a few minutes, I have a solution for you! And this isn’t just theory, this is something I’ve personally been able to accomplish. Last week a miracle happened. A straight up miracle, y’all! For the first time ever (so it seems) I hit inbox zero with my Gmail account. If you run an online business … [Read more...]

How to Find the Best Personal Finance Blogs For You

Ever watch “Miracle on 34th Street“? It’s a cute movie about Santa that I still remember from my childhood. In the movie, Santa Claus actually gets a job at Cole’s as the store Santa, where he proceeds to tell everyone about other store’s low prices on the toys they’re looking for. Initially, Cole’s management is appalled…until they realize that this … [Read more...]

How to Stop Business Cash Flow Problems and Finally Get Paid on Time

Here are Careful Cents headquarters, this month is all about Organizing Your Small Business Finances and today I’m talking about how to stop business cash flow problems. In order to get back to a positive place with your money, the first step is to get your cash flow under control. That way,you can finally be on the path to not hating your finances! Getting paid on time, and keeping a … [Read more...]

5 Reasons I’m Not Buying My $75,000 Dream Car

Here it is. The Ferrari 360. I’ve been drooling over this car for the past 15 years… And Liz and I officially have enough cash in the bank to pay for it. BOOM! Looks like I’m buying my dream car!!Well….maybe not… 5 Reasons I’m Not Buying My Dream CarFirst of all, I highly doubt that Liz would give me the thumbs up on this ride since it’s not exactly kid … [Read more...]

Why I Quickly Transitioned from Freelance Writer to Virtual Assistant

A couple months ago, I did an impromptu Facebook Live on my Careful Cents Facebook Page. I had a lot of thoughts swirling around in my head about whether I should transition from freelance writer to virtual assistant. For the past year or so, I’ve been struggling with the direction of my business. It just felt like I was doing the work but without any real purpose in mind. As a business owner you … [Read more...]

How to Raise Your Kid For Half the Cost

Did you know that the average cost for raising a child is now at $233,610? And this number only reflects raising them. It doesn’t include medical bills incurred from the birth, and it certainly doesn’t include college expenses! In fact, this number only reflects the money spent between infancy and 17. So how can you raise your kid for half the cost?This post has been written by our fabulous staff … [Read more...]

7 Things I Did to Stop Stressing About Money for Good

Earlier this year I had enough. I wanted to stop stressing about money once-and-for-all. I’m not sure if you know this, but money is stressful. It creeps into every part of your life and then next thing you know, you’re stressed out, worrying all the time, and not sleeping. Sound familiar? Or is that just me?! For my entire adult life, I’ve stressed out about money and my career. As someone who … [Read more...]

How to Ditch Your Job and Become a Stay-At-Home Mom

“A-d-d-i-l-y-n” – I wrote out the letters on the hospital room white board. Liz smiled, nodded, and we all nuzzled together, excited about our future as a family.During those memorable moments, Liz and I pretty much knew that she was going to ditch her job and become a stay-at-home mom. We had been planning for this before we even met each other!Seriously.Liz was completely debt … [Read more...]

10 Simple Time Management Tips to Rock Your Workday

Finding simple time management tips that actually work is harder than you might think. Should you strive for better focus management, or a good morning routine? When trying to take back your time it can be confusing with so many bits of advice available. How do you know which ones will actually work? There’s no one-size-fits-all answer, but I’m here to give you some much-need help. As … [Read more...]

Credit Sesame Will Give You A Free Credit Score (And Help You Find Better Loan Options)

If you want to stay on top of your credit like I do, you have quite a few options that you can take advantage of in order to monitor your credit.  With the passage of the Fair Credit Reporting Act legislation the federal government gave consumers the ability to pull their credit reports from each of the three agencies, TransUnion, Equifax and Experian, once a year. is the … [Read more...]

Flipping a Car One More Time…What Could Go Wrong?

“What did I just get myself into…?” I murmured to myself as I rumbled away in my newly purchased piece of crap 2001 Honda Civic…Here’s the story in a nutshell:We were saving up money to buy either a rental house or a flip houseAn opportunity came up sooner than expected on a flip house that would have left us a paper-thin emergency fundI thought, “Why not find a … [Read more...]

Change Your Mindset: 8 Meaningful Ways to Stand Out as a Female Boss

When you’re a woman in a man’s world, specifically the business world, it can be hard to gain traction. You’re not always respected or paid as much as a man is paid. This is not my opinion, but actual facts, which makes it more difficult to build a successful business. Take James Chartrand, founder of Men With Pens. Her story is quite shocking (yes, her!) as James is the pen name of this … [Read more...]

7 Ways to Pay Cash For Your Next Car

Many Americans pay over $400 a month on car leases or loans and the numbers keep rising every single year. In a world where keeping up with the Joneses is normal, the average person may feel the need to get a car they can’t afford, just to impress those that shouldn’t matter.7 Ways to Pay Cash For Your Next CarHere’s the thing, car loans are expensive, and they can actually be avoided, even if you … [Read more...]

How to Simplify Your Financial Life and Be More Mindful

Are you looking for new ways to simplify your financial life? Let’s get real, managing your money and business isn’t easy. And I totally get it! I am always seeking new ways and tips to become more mindful in my life and business. I strive to be a mindful consumer, thoughtful eater, and smarter spender. If these are your goals too then I have some tips that will help you get started. … [Read more...]

What a Backpack Taught Me About Cheap vs. Frugal

It was 2009, in the midst of the recession, and blogs full of bargains were all the rage.  I was pretty excited to read about how I could get a backpack for my little kindergartner for free!  If I spent $10 on other items at this store, I could get him a free backpack with his favorite superhero splashed across the back.  No biggie, since I needed groceries anyway.  While we were there, he chose … [Read more...]

Reclaim Your Time: How to Stay Focused While Working at Home

Learning how to stay focused while working at home isn’t always easy. It takes practice and time to find out what routine works best and what times of the day you function most. When I first quit my job to be my own boss, I was so excited to take back the one thing that I felt was stolen from me: my time. After all, that’s one of the biggest perks of being your own boss, right? You get … [Read more...]

Online Time Tracking: How to Use Google Calendar as a Time Journal

Online time tracking is seriously one of the best kept secrets. It’s by far the easiest way to accurately price your freelance rates as well as work towards being more productive. I mean, how will you know how long a project takes you (and thus, find ways to improve) if you don’t know how long it takes? Keeping a time journal has been a vital part of running my business for many years … [Read more...]

10 Cheap Recipes You Can Make in 15 Minutes or Less

Want to cut your expenses so you can get out of debt? The top 3 most expensive budget items today are your house, your car, and FOOD. If you want to put a dent in your debt, tell your stomach to watch out! It’s time to make a change!10 Cheap Recipes You Can Make in 15 Minutes or Less!This post has been written by our talented staff writer, Kimberly Studdard.Even if you love cooking, chances … [Read more...]

Focuster Review – Focus Management Software for Business Owners

Focus management is an up-and-coming idea where you use tools and apps to focus more and have better productivity. And as a small business owner we can use all the focus help that we can get. Am I right?! In past articles I’ve talked about how I use Asana to manage client projects and deadlines. I’ve shared the exact details of how to eliminate distractions and be more productive when … [Read more...]

4 Side Hustles You Can Start If You Have A Pick-Up Truck

When it comes to finding more money in your budget, there is only so much you can do to cut your spending and live frugally. At some point, you might find that you can't cut anymore — or that you don't want to (after all, life is about living, too). This is when it becomes obvious that you might need to come up with some additional income. This is fortunate because there are a number of ways … [Read more...]

Michelle Made Almost $1 Million Blogging Last Year…So I Asked Her a Few Questions… ;)

Michelle Schroeder-Gardner has earned more money in just a few years than most people do in their lifetime. And that’s not even the most amazing part. She didn’t earn this pile of money by becoming a doctor or lawyer. She did it by blogging….!I aspire to do the same – and many of my readers do as well – so why not ask one of the most amazing bloggers of all time a few … [Read more...]

10 Compelling Reasons to Take a Break from the Constant Hustle

There comes a time in every business owner’s life where you just need to take a break. Maybe you’re not sure what the next step is. Or maybe you just reached a big goal and need some time off. Whatever the reason is, every entrepreneur deserves a break from creating, building, growing and learning. The problem though, is that we create more excuses for reasons NOT to take a break then … [Read more...]

9 Common Ways You Could Be Wasting Your Money

Most of us scoff at the idea of just throwing money away. However, you might actually be doing just that — every day. There are a number of practices, seemingly commonplace, that result in wasted money each month. If you are trying to figure out what has happened to your budget, and trying to pinpoint where your money is leaking away to, here are 9 common ways that you could be wasting your … [Read more...]

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