Money Management

Free Monthly Budget Worksheet

If you want to learn how to save money on groceries, then you’ve come to the right place! Figuring out how to save money on groceries is one of the best ways to learn how to save money. According to the United States Department of Agriculture, the average family of four spends around $700 to… … Read more

Self-employment is definitely on my mind, and I want to be as prepared as possible for self-employment as I can be. I have been analyzing our budget a lot (our budget will be posted soon), and I have been looking for any categories in which we can lower or eliminate our spending altogether. Cable has… … Read more

We finally eliminated cable earlier this year. Cutting the cable cord wasn’t hard due to the fact that we have a digital antenna. And, guess what? We haven’t missed it one bit. According to NPD Group (a market research company), the average monthly cable bill in 2015 is expected to be $123. By the year… … Read more

What are dividends? This is a question I hear quite often from people who are starting to invest. Or, you might ask, “what are dividends?” when learning about the benefits of investing. Either way, you will start reading about the term “dividends” as you start investing, saving for retirement, improving your financial future, and so… … Read more

Are you looking for the best rewards credit card? Perhaps you’ve been using rewards credit cards for years, or maybe you’re brand new. Today, I am going to answer common questions about getting started with rewards credit cards, as well as list some of the best rewards credit cards to sign up for. I’ve been… … Read more

Looking for a savings challenge? Today, I have a free printable called the 52 Week Money Challenge. How much money do you save in the 52 week challenge? The 52 Week Money Challenge is a great way to save $1,040 a year without noticing! All you have to do is save $20 each week for… … Read more

Author: Michelle Schroeder-Gardner Hey! I’m Michelle Schroeder-Gardner and I am the founder of Making Sense of Cents. I’m passionate about all things personal finance, side hustles, making extra money, and online businesses. I have been featured in major publications such as Forbes, CNBC, Time, and Business Insider. Learn more here.

Hello everyone! Today is my birthday. I am the big ol’ 25 today! 🙂 I plan on relaxing and eating a ridiculous amount of sushi today as my birthday treat. Anyway, as a personal finance blogger, I hear a lot about everyone else’s money stories. For the most part, I hear a lot of excuses… … Read more

We all know that saving money is important, and asking yourself “how much money should I save?” can be a difficult question to answer when beginning. Being a personal finance expert, I am asked this question a lot. Between saving for emergencies, retirement, vacations, etc. there are a lot of things to consider. And, knowing… … Read more