Podcast appearances and mentions of michelle schroeder gardner

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3185: Michelle Schroeder-Gardner offers a practical and empowering roadmap for anyone overwhelmed by unpaid bills, emphasizing proactive steps like organizing finances, contacting creditors, and increasing income. Her guidance helps listeners reduce anxiety, avoid damaging financial consequences, and take control of their money with clarity and confidence. Read along with the original article(s) here: https://www.makingsenseofcents.com/2016/02/what-to-do-when-you-cant-pay-your-bills.html Quotes to ponder: "By facing the problem, you will be able to dig yourself out of debt, get rid of late bills, and have a better grasp of your financial situation." "You won't know what they can do for you until you ask." "My recommendation for the best way to pay your past bills is to work on making more money." Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 1662: Michelle Schroeder-Gardner outlines the most common pitfalls that self-employed individuals face, from inconsistent income planning to neglecting retirement savings. Her insights help solopreneurs build smarter, more sustainable financial habits and avoid costly missteps in their business journey. Read along with the original article(s) here: https://www.makingsenseofcents.com/2014/08/4-common-mistakes-made-by-the-self-employed.html Quotes to ponder: "One of the top financial mistakes I see among the self-employed is not having a plan for their irregular income." "When you're self-employed, it's all up to you to save for retirement. You don't have an employer to help you." "If you're self-employed and not separating your personal and business finances, it can become a huge mess quickly." Episode references: Mint: https://mint.intuit.com YNAB (You Need A Budget): https://www.youneedabudget.com IRS Self-Employed Tax Center: https://www.irs.gov/businesses/small-businesses-self-employed/self-employed-individuals-tax-center Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 1662: Michelle Schroeder-Gardner outlines the most common pitfalls that self-employed individuals face, from inconsistent income planning to neglecting retirement savings. Her insights help solopreneurs build smarter, more sustainable financial habits and avoid costly missteps in their business journey. Read along with the original article(s) here: https://www.makingsenseofcents.com/2014/08/4-common-mistakes-made-by-the-self-employed.html Quotes to ponder: "One of the top financial mistakes I see among the self-employed is not having a plan for their irregular income." "When you're self-employed, it's all up to you to save for retirement. You don't have an employer to help you." "If you're self-employed and not separating your personal and business finances, it can become a huge mess quickly." Episode references: Mint: https://mint.intuit.com YNAB (You Need A Budget): https://www.youneedabudget.com IRS Self-Employed Tax Center: https://www.irs.gov/businesses/small-businesses-self-employed/self-employed-individuals-tax-center Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 1651: Michelle Schroeder-Gardner breaks down the essentials of passive income, explaining how it can provide financial freedom through upfront effort and long-term rewards. She shares a variety of practical, beginner-friendly ideas, ranging from dividend investing to creating digital products, helping listeners discover income strategies that suit their skills and goals. Read along with the original article(s) here: https://www.makingsenseofcents.com/2015/04/what-is-passive-income-ideas.html Quotes to ponder: "Passive income is income that you earn with little work to maintain." "Eventually, you may be able to earn a living through passive income streams." "Passive income allows you to free up your time and possibly even retire early." Episode references: The Millionaire Next Door: https://www.amazon.com/Millionaire-Next-Door-Thomas-Stanley/dp/1589795474 Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 1651: Michelle Schroeder-Gardner breaks down the essentials of passive income, explaining how it can provide financial freedom through upfront effort and long-term rewards. She shares a variety of practical, beginner-friendly ideas, ranging from dividend investing to creating digital products, helping listeners discover income strategies that suit their skills and goals. Read along with the original article(s) here: https://www.makingsenseofcents.com/2015/04/what-is-passive-income-ideas.html Quotes to ponder: "Passive income is income that you earn with little work to maintain." "Eventually, you may be able to earn a living through passive income streams." "Passive income allows you to free up your time and possibly even retire early." Episode references: The Millionaire Next Door: https://www.amazon.com/Millionaire-Next-Door-Thomas-Stanley/dp/1589795474 Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3099: Michelle Schroeder-Gardner offers practical, empowering tips to help you stay motivated while tackling debt and sticking to a budget. By visualizing goals, celebrating small wins, and fostering a mindset of appreciation over consumption, you'll build lasting habits that lead to financial freedom and a more intentional life. Read along with the original article(s) here: https://www.makingsenseofcents.com/2015/09/how-to-stick-to-a-budget-financial-motivation.html Quotes to ponder: "Finding financial motivators will help you continue to work hard towards your goal, even when it seems impossible." "Making your goal visual is a great way to find motivation." "You can still enjoy life, do many of the same things you usually do, and so on." Episode references: Personal Capital: https://www.personalcapital.com Mint: https://mint.intuit.com A Cultivated Nest: https://acultivatednest.com Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3099: Michelle Schroeder-Gardner offers practical, empowering tips to help you stay motivated while tackling debt and sticking to a budget. By visualizing goals, celebrating small wins, and fostering a mindset of appreciation over consumption, you'll build lasting habits that lead to financial freedom and a more intentional life. Read along with the original article(s) here: https://www.makingsenseofcents.com/2015/09/how-to-stick-to-a-budget-financial-motivation.html Quotes to ponder: "Finding financial motivators will help you continue to work hard towards your goal, even when it seems impossible." "Making your goal visual is a great way to find motivation." "You can still enjoy life, do many of the same things you usually do, and so on." Episode references: Personal Capital: https://www.personalcapital.com Mint: https://mint.intuit.com A Cultivated Nest: https://acultivatednest.com Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3099: Michelle Schroeder-Gardner offers practical, empowering tips to help you stay motivated while tackling debt and sticking to a budget. By visualizing goals, celebrating small wins, and fostering a mindset of appreciation over consumption, you'll build lasting habits that lead to financial freedom and a more intentional life. Read along with the original article(s) here: https://www.makingsenseofcents.com/2015/09/how-to-stick-to-a-budget-financial-motivation.html Quotes to ponder: "Finding financial motivators will help you continue to work hard towards your goal, even when it seems impossible." "Making your goal visual is a great way to find motivation." "You can still enjoy life, do many of the same things you usually do, and so on." Episode references: Personal Capital: https://www.personalcapital.com Mint: https://mint.intuit.com A Cultivated Nest: https://acultivatednest.com Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3096: Michelle Schroeder-Gardner encourages finding a balance between financial goals and enjoying life, especially when dealing with debt. She shares practical strategies for traveling affordably like budgeting, staycations, and using credit card rewards while emphasizing the importance of not adding to your debt in the process. Read along with the original article(s) here: https://www.makingsenseofcents.com/2017/09/should-you-go-on-vacation-if-you-have-debt.html Quotes to ponder: "You can still enjoy life on a budget, but it's all about having a good balance and seeking out what will work best for your situation." "To take a vacation, you should never take on debt. Taking on debt to travel will just dig your debt hole even deeper." "Vacations are great and all, but taking on debt to go on them is 99.999999% of the time not worth it." Episode references: Gusto Payroll: https://gusto.com/ Chase Sapphire Preferred: https://creditcards.chase.com/rewards-credit-cards/sapphire/preferred Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3096: Michelle Schroeder-Gardner encourages finding a balance between financial goals and enjoying life, especially when dealing with debt. She shares practical strategies for traveling affordably like budgeting, staycations, and using credit card rewards while emphasizing the importance of not adding to your debt in the process. Read along with the original article(s) here: https://www.makingsenseofcents.com/2017/09/should-you-go-on-vacation-if-you-have-debt.html Quotes to ponder: "You can still enjoy life on a budget, but it's all about having a good balance and seeking out what will work best for your situation." "To take a vacation, you should never take on debt. Taking on debt to travel will just dig your debt hole even deeper." "Vacations are great and all, but taking on debt to go on them is 99.999999% of the time not worth it." Episode references: Gusto Payroll: https://gusto.com/ Chase Sapphire Preferred: https://creditcards.chase.com/rewards-credit-cards/sapphire/preferred Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3096: Michelle Schroeder-Gardner encourages finding a balance between financial goals and enjoying life, especially when dealing with debt. She shares practical strategies for traveling affordably like budgeting, staycations, and using credit card rewards while emphasizing the importance of not adding to your debt in the process. Read along with the original article(s) here: https://www.makingsenseofcents.com/2017/09/should-you-go-on-vacation-if-you-have-debt.html Quotes to ponder: "You can still enjoy life on a budget, but it's all about having a good balance and seeking out what will work best for your situation." "To take a vacation, you should never take on debt. Taking on debt to travel will just dig your debt hole even deeper." "Vacations are great and all, but taking on debt to go on them is 99.999999% of the time not worth it." Episode references: Gusto Payroll: https://gusto.com/ Chase Sapphire Preferred: https://creditcards.chase.com/rewards-credit-cards/sapphire/preferred Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3061: Michelle Schroeder-Gardner highlights seven common purchases, including furniture, weddings, medical bills, and vacations, that should never be charged unless you can pay them off in full immediately. Avoiding these costly mistakes can help you stay in control of your finances and prevent unnecessary stress. Read along with the original article(s) here: https://www.makingsenseofcents.com/2015/11/expenses-to-never-put-on-a-credit-card-finance-furniture.html Quotes to ponder: "Just because the monthly payment seems 'doable,' it doesn't mean that it's what's best for you." "Wedding debt can cause arguments, stress, financial problems, and more." "A vacation is supposed to be that - a vacation. I couldn't imagine that a vacation would be relaxing at all if you were paying interest on it for months or years to come." Episode references: The EconoMe Conference YouTube Channel: https://www.youtube.com/@EconoMeConference Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3061: Michelle Schroeder-Gardner highlights seven common purchases, including furniture, weddings, medical bills, and vacations, that should never be charged unless you can pay them off in full immediately. Avoiding these costly mistakes can help you stay in control of your finances and prevent unnecessary stress. Read along with the original article(s) here: https://www.makingsenseofcents.com/2015/11/expenses-to-never-put-on-a-credit-card-finance-furniture.html Quotes to ponder: "Just because the monthly payment seems 'doable,' it doesn't mean that it's what's best for you." "Wedding debt can cause arguments, stress, financial problems, and more." "A vacation is supposed to be that - a vacation. I couldn't imagine that a vacation would be relaxing at all if you were paying interest on it for months or years to come." Episode references: The EconoMe Conference YouTube Channel: https://www.youtube.com/@EconoMeConference Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3061: Michelle Schroeder-Gardner highlights seven common purchases, including furniture, weddings, medical bills, and vacations, that should never be charged unless you can pay them off in full immediately. Avoiding these costly mistakes can help you stay in control of your finances and prevent unnecessary stress. Read along with the original article(s) here: https://www.makingsenseofcents.com/2015/11/expenses-to-never-put-on-a-credit-card-finance-furniture.html Quotes to ponder: "Just because the monthly payment seems 'doable,' it doesn't mean that it's what's best for you." "Wedding debt can cause arguments, stress, financial problems, and more." "A vacation is supposed to be that - a vacation. I couldn't imagine that a vacation would be relaxing at all if you were paying interest on it for months or years to come." Episode references: The EconoMe Conference YouTube Channel: https://www.youtube.com/@EconoMeConference Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 2822: Michelle Schroeder-Gardner emphasizes the transformative power of positive thinking on finances and life. She explains how a positive mindset motivates action, reduces regret, and helps you take control of your goals. With actionable tips like gratitude, optimism, and not comparing yourself to others, this article serves as a practical guide to building resilience and achieving financial clarity. Read along with the original article(s) here: https://www.makingsenseofcents.com/2015/01/how-to-be-positive-thinking-exercises.html Quotes to ponder: "Being positive can help you realize that you are in control of your life." "If you have a positive mindset, that means you are no longer dwelling on the past." "Instead of saying 'I can't,' say 'I can!'" Episode references: The Obstacle Is the Way: https://www.amazon.com/Obstacle-Way-Timeless-Turning-Triumph/dp/1591846358 Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 2822: Michelle Schroeder-Gardner emphasizes the transformative power of positive thinking on finances and life. She explains how a positive mindset motivates action, reduces regret, and helps you take control of your goals. With actionable tips like gratitude, optimism, and not comparing yourself to others, this article serves as a practical guide to building resilience and achieving financial clarity. Read along with the original article(s) here: https://www.makingsenseofcents.com/2015/01/how-to-be-positive-thinking-exercises.html Quotes to ponder: "Being positive can help you realize that you are in control of your life." "If you have a positive mindset, that means you are no longer dwelling on the past." "Instead of saying 'I can't,' say 'I can!'" Episode references: The Obstacle Is the Way: https://www.amazon.com/Obstacle-Way-Timeless-Turning-Triumph/dp/1591846358 Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 2424: Michelle Schroeder-Gardner highlights the critical importance of creating a financial emergency response plan to safeguard your family during unexpected events. By organizing essential documents, keeping them securely stored, and ensuring loved ones know how to access them, you can provide peace of mind and prevent added stress in challenging times. Read along with the original article(s) here: https://www.makingsenseofcents.com/2015/06/financial-emergency-list-for-an-emergency-response-plan.html Quotes to ponder: "It's best to keep a financial emergency response plan of everything just in case something were to happen, even if it's something no one ever wants to think about." "Collecting all of this information is not enough. You will want to go over everything with the person who would be next in charge after you, as they may have questions about how to access certain accounts." "Having all your stuff organized is going to be a huge help to your loved ones, who will likely need to figure this stuff out during a very emotional time." Episode references: Family Emergency Binder by Smart Money Mamas: https://smartmoneymamas.com/family-emergency-binder In Case of Emergency Binder: https://emergencybinders.com Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 2893: Saving money in your 20s sets the foundation for long-term financial security, allowing you to take advantage of compound interest and develop responsible financial habits. Michelle Schroeder-Gardner argues that starting early doesn't mean sacrificing a vibrant life; instead, it equips you to navigate future challenges and opportunities with greater ease and confidence. Read along with the original article(s) here: https://www.makingsenseofcents.com/2015/10/why-saving-money-in-your-20s-is-a-good-idea.html Quotes to ponder: "Saving money in your 20s means you're doing something RIGHT." "Compound interest is one BIG reason for why you should start saving money as early as you can." "There is no reason to spend all of your money just because you want to." Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 2893: Saving money in your 20s sets the foundation for long-term financial security, allowing you to take advantage of compound interest and develop responsible financial habits. Michelle Schroeder-Gardner argues that starting early doesn't mean sacrificing a vibrant life; instead, it equips you to navigate future challenges and opportunities with greater ease and confidence. Read along with the original article(s) here: https://www.makingsenseofcents.com/2015/10/why-saving-money-in-your-20s-is-a-good-idea.html Quotes to ponder: "Saving money in your 20s means you're doing something RIGHT." "Compound interest is one BIG reason for why you should start saving money as early as you can." "There is no reason to spend all of your money just because you want to." Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 2893: Saving money in your 20s sets the foundation for long-term financial security, allowing you to take advantage of compound interest and develop responsible financial habits. Michelle Schroeder-Gardner argues that starting early doesn't mean sacrificing a vibrant life; instead, it equips you to navigate future challenges and opportunities with greater ease and confidence. Read along with the original article(s) here: https://www.makingsenseofcents.com/2015/10/why-saving-money-in-your-20s-is-a-good-idea.html Quotes to ponder: "Saving money in your 20s means you're doing something RIGHT." "Compound interest is one BIG reason for why you should start saving money as early as you can." "There is no reason to spend all of your money just because you want to." Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 2328: Michelle Schroeder-Gardner highlights the dangers of financial infidelity in relationships, stressing how secret debts and financial dishonesty can lead to significant trust issues, stress, and even divorce. She offers practical advice on recognizing warning signs and encourages open communication about money to build healthier, more transparent relationships. Quotes to ponder: "There are things you can do though if you don't want financial infidelity in your relationship." "Being open about your money situation can help prevent any surprises." "You and your partner should sit down every so often - so that everyone can work towards the family's financial goals together." Episode references: Forbes article on financial secrets: https://www.forbes.com National Endowment for Financial Education: https://www.nefe.org Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 1433: Michelle Schroeder-Gardner offers practical tips to maintain productivity and mental well-being while working from home. She emphasizes the importance of creating a dedicated workspace, setting boundaries, and staying active to balance work and personal life effectively. Read along with the original article(s) here: https://www.makingsenseofcents.com/2015/12/work-from-home-tips-how-to-stay-sane.html Quotes to ponder: "Make sure your workspace is dedicated solely to work and free from distractions." "Setting boundaries is important when working from home, both for yourself and those around you." "Remember to move around and get outside to avoid feeling cooped up." Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 1433: Michelle Schroeder-Gardner offers practical tips to maintain productivity and mental well-being while working from home. She emphasizes the importance of creating a dedicated workspace, setting boundaries, and staying active to balance work and personal life effectively. Read along with the original article(s) here: https://www.makingsenseofcents.com/2015/12/work-from-home-tips-how-to-stay-sane.html Quotes to ponder: "Make sure your workspace is dedicated solely to work and free from distractions." "Setting boundaries is important when working from home, both for yourself and those around you." "Remember to move around and get outside to avoid feeling cooped up." Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 2705: Discover how frugality might unexpectedly dip into your funds as Michelle Schroeder-Gardner of MakingSenseOfCents.com explores six common pitfalls where saving too much can actually end up costing you more. From skimping on quality purchases to the false economy of DIY projects, Michelle sheds light on the hidden costs of excessive thriftiness. Read along with the original article(s) here: https://www.makingsenseofcents.com/2014/10/6-ways-being-cheap-can-cost-you-money.html Quotes to ponder: "Many people each and every single day make the mistake of trying to save money, yet end up wasting money in the end." "Skipping going to the dentist for years so that you can 'save' money. Then, after you finally go, you find out you could have saved money and some of your teeth by visiting the dentist regularly for cleanings." Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 2705: Discover how frugality might unexpectedly dip into your funds as Michelle Schroeder-Gardner of MakingSenseOfCents.com explores six common pitfalls where saving too much can actually end up costing you more. From skimping on quality purchases to the false economy of DIY projects, Michelle sheds light on the hidden costs of excessive thriftiness. Read along with the original article(s) here: https://www.makingsenseofcents.com/2014/10/6-ways-being-cheap-can-cost-you-money.html Quotes to ponder: "Many people each and every single day make the mistake of trying to save money, yet end up wasting money in the end." "Skipping going to the dentist for years so that you can 'save' money. Then, after you finally go, you find out you could have saved money and some of your teeth by visiting the dentist regularly for cleanings." Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 2705: Discover how frugality might unexpectedly dip into your funds as Michelle Schroeder-Gardner of MakingSenseOfCents.com explores six common pitfalls where saving too much can actually end up costing you more. From skimping on quality purchases to the false economy of DIY projects, Michelle sheds light on the hidden costs of excessive thriftiness. Read along with the original article(s) here: https://www.makingsenseofcents.com/2014/10/6-ways-being-cheap-can-cost-you-money.html Quotes to ponder: "Many people each and every single day make the mistake of trying to save money, yet end up wasting money in the end." "Skipping going to the dentist for years so that you can 'save' money. Then, after you finally go, you find out you could have saved money and some of your teeth by visiting the dentist regularly for cleanings." Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 2672: Michelle Schroeder-Gardner, through her journey detailed on MakingSenseOfCents.com, illustrates the transformative power of side hustles. By leveraging extra time to generate additional income, she not only eradicated her student loan debt but also embarked on a path of financial independence, allowing for travel and entrepreneurship. This narrative underscores the potential side hustles have to not only alleviate financial burdens but also to explore and test new business ventures, ultimately leading to a more diversified and secure income stream. Read along with the original article(s) here: https://www.makingsenseofcents.com/2015/03/4-reasons-to-make-extra-money.html Quotes to ponder: "Due to my past side hustles (most of which now comprise my full-time business), I was able to pay off my student loans completely, travel, quit my job, start my own business, and more." "By diversifying your income with multiple income streams, you will have a backup plan." "My side hustles turned into my full-time business." Episode references: "The Ultimate List Of Gig Economy Apps" by Kevin Ha on Financial Panther: https://financialpanther.com/the-ultimate-list-of-gig-economy-apps/ Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 2672: Michelle Schroeder-Gardner, through her journey detailed on MakingSenseOfCents.com, illustrates the transformative power of side hustles. By leveraging extra time to generate additional income, she not only eradicated her student loan debt but also embarked on a path of financial independence, allowing for travel and entrepreneurship. This narrative underscores the potential side hustles have to not only alleviate financial burdens but also to explore and test new business ventures, ultimately leading to a more diversified and secure income stream. Read along with the original article(s) here: https://www.makingsenseofcents.com/2015/03/4-reasons-to-make-extra-money.html Quotes to ponder: "Due to my past side hustles (most of which now comprise my full-time business), I was able to pay off my student loans completely, travel, quit my job, start my own business, and more." "By diversifying your income with multiple income streams, you will have a backup plan." "My side hustles turned into my full-time business." Episode references: "The Ultimate List Of Gig Economy Apps" by Kevin Ha on Financial Panther: https://financialpanther.com/the-ultimate-list-of-gig-economy-apps/ Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 2672: Michelle Schroeder-Gardner, through her journey detailed on MakingSenseOfCents.com, illustrates the transformative power of side hustles. By leveraging extra time to generate additional income, she not only eradicated her student loan debt but also embarked on a path of financial independence, allowing for travel and entrepreneurship. This narrative underscores the potential side hustles have to not only alleviate financial burdens but also to explore and test new business ventures, ultimately leading to a more diversified and secure income stream. Read along with the original article(s) here: https://www.makingsenseofcents.com/2015/03/4-reasons-to-make-extra-money.html Quotes to ponder: "Due to my past side hustles (most of which now comprise my full-time business), I was able to pay off my student loans completely, travel, quit my job, start my own business, and more." "By diversifying your income with multiple income streams, you will have a backup plan." "My side hustles turned into my full-time business." Episode references: "The Ultimate List Of Gig Economy Apps" by Kevin Ha on Financial Panther: https://financialpanther.com/the-ultimate-list-of-gig-economy-apps/ Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 1198: Michelle Schroeder-Gardner's "Leave Your Job On Good Terms: Don't Make These 6 Mistakes When You Leave Your Job" provides essential advice for exiting a job gracefully. Covering everything from maintaining professionalism to smart social media use, Michelle offers valuable insights for those transitioning out of their current roles. Read along with the original article(s) here: https://www.makingsenseofcents.com/2015/07/how-to-leave-a-job-on-good-terms-quitting-tips.html Quotes to ponder: "Social media is NOT private. Even if you are not friends with your employer or coworkers, someone else may be and you never know what may be shared or saved for them to see." Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 2569: Michelle Schroeder-Gardner's article debunks six common excuses that hinder effective savings, emphasizing the importance of overcoming psychological barriers to financial health. She illustrates how changing beliefs and attitudes toward money can significantly improve one's financial situation. Read along with the original article(s) here: https://www.makingsenseofcents.com/2015/05/stop-using-these-excuses-for-not-saving-money.html Quotes to ponder: "The truth is that you can still live a great life AND save money." "Saving something is better than saving nothing." "If others are doing better financially, they are merely showing you what is also possible for you." Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 2569: Michelle Schroeder-Gardner's article debunks six common excuses that hinder effective savings, emphasizing the importance of overcoming psychological barriers to financial health. She illustrates how changing beliefs and attitudes toward money can significantly improve one's financial situation. Read along with the original article(s) here: https://www.makingsenseofcents.com/2015/05/stop-using-these-excuses-for-not-saving-money.html Quotes to ponder: "The truth is that you can still live a great life AND save money." "Saving something is better than saving nothing." "If others are doing better financially, they are merely showing you what is also possible for you." Learn more about your ad choices. Visit megaphone.fm/adchoices

Michelle Schroeder-Gardner of Making Sense of Cents talks about balancing working and going to college Episode 1140: How To Balance Working And Going To College by Michelle Schroeder-Gardner of Making Sense of Cents Michelle Schroeder-Gardner created Making Sense of Cents in order to help improve her own finances. With diligence, she was able to pay off $38,000 in student debt in 7 months, kept track of progress, and helped readers along the way. She's currently touring North America and living out of an RV. You can learn more about her and see her monthly income reports at MakingSenseOfCents.com. The original post is located here: https://www.makingsenseofcents.com/2015/10/tips-for-working-students-in-college.html  Visit Me Online at OLDPodcast.com  Interested in advertising on the show? Visit https://www.advertisecast.com/OptimalStartUpDaily Learn more about your ad choices. Visit megaphone.fm/adchoices

Michelle Schroeder-Gardner of Making Sense of Cents shares how to remove PMI from home buying. Episode 2496: Can You Remove PMI From Your Mortgage? by Michelle Schroeder-Gardner of Making Sense of Cents Michelle Schroeder-Gardner created Making Sense of Cents in order to help improve her own finances. With diligence, she was able to pay off $38,000 in student debt in 7 months, kept track of progress, and helped readers along the way. She's currently touring North America and living out of an RV. You can learn more about her and see her monthly income reports at MakingSenseOfCents.com. The original post is located here: https://www.makingsenseofcents.com/2016/03/can-remove-pmi-mortgage.html Visit Me Online at OLDPodcast.com Interested in advertising on the show? https://www.advertisecast.com/OptimalFinanceDaily Learn more about your ad choices. Visit megaphone.fm/adchoices

Michelle Schroeder-Gardner of Making Sense of Cents shares how to remove PMI from home buying. Episode 2496: Can You Remove PMI From Your Mortgage? by Michelle Schroeder-Gardner of Making Sense of Cents Michelle Schroeder-Gardner created Making Sense of Cents in order to help improve her own finances. With diligence, she was able to pay off $38,000 in student debt in 7 months, kept track of progress, and helped readers along the way. She's currently touring North America and living out of an RV. You can learn more about her and see her monthly income reports at MakingSenseOfCents.com. The original post is located here: https://www.makingsenseofcents.com/2016/03/can-remove-pmi-mortgage.html Visit Me Online at OLDPodcast.com Interested in advertising on the show? https://www.advertisecast.com/OptimalFinanceDaily Learn more about your ad choices. Visit megaphone.fm/adchoices

Michelle Schroeder-Gardner of Making Sense of Cents talks about why keeping up with the Joneses will make you broke Episode 2464: Why Keeping Up With The Joneses Will Make You Broke by Michelle Schroeder-Gardner of Making Sense of Cents Michelle Schroeder-Gardner created Making Sense of Cents in order to help improve her own finances. With diligence, she was able to pay off $38,000 in student debt in 7 months, kept track of progress, and helped readers along the way. She's currently touring North America and living out of an RV. You can learn more about her and see her monthly income reports at MakingSenseOfCents.com. The original post is located here: https://www.makingsenseofcents.com/2014/11/why-keeping-up-with-the-joneses-will-make-you-broke.html  Visit Me Online at OLDPodcast.com Interested in advertising on the show? https://www.advertisecast.com/OptimalFinanceDaily Learn more about your ad choices. Visit megaphone.fm/adchoices

Michelle Schroeder-Gardner of Making Sense of Cents talks about why keeping up with the Joneses will make you broke Episode 2464: Why Keeping Up With The Joneses Will Make You Broke by Michelle Schroeder-Gardner of Making Sense of Cents Michelle Schroeder-Gardner created Making Sense of Cents in order to help improve her own finances. With diligence, she was able to pay off $38,000 in student debt in 7 months, kept track of progress, and helped readers along the way. She's currently touring North America and living out of an RV. You can learn more about her and see her monthly income reports at MakingSenseOfCents.com. The original post is located here: https://www.makingsenseofcents.com/2014/11/why-keeping-up-with-the-joneses-will-make-you-broke.html  Visit Me Online at OLDPodcast.com Interested in advertising on the show? https://www.advertisecast.com/OptimalFinanceDaily Learn more about your ad choices. Visit megaphone.fm/adchoices

Michelle Schroeder-Gardner of Making Sense of Cents talks about working and traveling at the same time Episode 1087: Are You Interested In Traveling The World And Working At The Same Time? by Michelle Schroeder-Gardner of Making Sense of Cents Michelle Schroeder-Gardner created Making Sense of Cents in order to help improve her own finances. With diligence, she was able to pay off $38,000 in student debt in 7 months, kept track of progress, and helped readers along the way. She's currently touring North America and living out of an RV. You can learn more about her and see her monthly income reports at MakingSenseOfCents.com. The original post is located here: https://www.makingsenseofcents.com/2015/08/are-you-interested-in-traveling-the-world-and-working-at-the-same-time.html  Visit Me Online at OLDPodcast.com  Interested in advertising on the show? Visit https://www.advertisecast.com/OptimalStartUpDaily Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode, we talk to Michelle Schroeder-Gardner of Making Sense of Cents to discuss her remarkable journey from a mountain of student loan debt to full-time travel and 7-figure blogging. Learn about affiliate marketing, financial independence, and the power of a positive money mindset.  Her longstanding and popular site,  Making Sense of Cents has helped audiences tackle money issues and learn how to make money online.  Alongside her family, Michell now sails around the world in the winter and drives cross country in the summer with her family. She has been featured on Forbes, Time Magazine, CNBC, Business Insider, and now our podcast to share her insights. On today's episode we will cover:How Michelle paid off her debt in seven monthsHow blogging has evolved today How you can make money online Why Money is Such an Emotional TopicWhat is a Digital Nomad?What life is like traveling full time on a sailboat and van with her familyMaking Sense of CentsInstagram: @michelleschroWant more from SheSpeaks?* Sign up for our podcast newsletter HERE! * Connect with us on Instagram, FB & Twitter @shespeaksup Contact us at podcast@shespeaks.com

Michelle Schroeder-Gardner of Making Sense of Cents talks about how to enjoy life without going broke Episode 2428: How To Enjoy Life Without Going Broke by Michelle Schroeder-Gardner of Making Sense of Cents on Inexpensive Ways to Have Fun Michelle Schroeder-Gardner created Making Sense of Cents in order to help improve her own finances. With diligence, she was able to pay off $38,000 in student debt in 7 months, kept track of progress, and helped readers along the way. She's currently touring North America and living out of an RV. You can learn more about her and see her monthly income reports at MakingSenseOfCents.com. The original post is located here: https://www.makingsenseofcents.com/2014/04/how-to-enjoy-life-without-going-broke.html  Visit Me Online at OLDPodcast.com Interested in advertising on the show? https://www.advertisecast.com/OptimalFinanceDaily Learn more about your ad choices. Visit megaphone.fm/adchoices

Michelle Schroeder-Gardner of Making Sense of Cents talks about why a storage unit is a waste of money Episode 2400: Why Paying For A Storage Unit Is A Waste of Money by Michelle Schroeder-Gardner of Making Sense of Cents Michelle Schroeder-Gardner created Making Sense of Cents in order to help improve her own finances. With diligence, she was able to pay off $38,000 in student debt in 7 months, kept track of progress, and helped readers along the way. She's currently touring North America and living out of an RV. You can learn more about her and see her monthly income reports at MakingSenseOfCents.com. The original post is located here: https://www.makingsenseofcents.com/2016/11/paying-storage-unit-cost-waste-money.html  Visit Me Online at OLDPodcast.com Interested in advertising on the show? https://www.advertisecast.com/OptimalFinanceDaily Learn more about your ad choices. Visit megaphone.fm/adchoices

Michelle Schroeder-Gardner of Making Sense of Cents tells you how to quit your job and work for yourself. This is part 2 of 2. Episode 1032: [Part 2] How To Quit Your Job And Become Self-Employed – 5 Steps For Success by Michelle Schroeder-Gardner Michelle Schroeder-Gardner created Making Sense of Cents in order to help improve her own finances. With diligence, she was able to pay off $38,000 in student debt in 7 months, kept track of progress, and helped readers along the way. She's currently touring North America and living out of an RV. You can learn more about her and see her monthly income reports at MakingSenseOfCents.com. The original post is located here: https://www.makingsenseofcents.com/2022/01/how-to-quit-your-job-and-become-self-employed.html  Visit Me Online at OLDPodcast.com  Interested in advertising on the show? Visit https://www.advertisecast.com/OptimalStartUpDaily Learn more about your ad choices. Visit megaphone.fm/adchoices

Michelle Schroeder-Gardner of Making Sense of Cents tells you how to quit your job and work for yourself. This is part 1 of 2. Episode 1031: [Part 1] How To Quit Your Job And Become Self-Employed – 5 Steps For Success by Michelle Schroeder-Gardner Michelle Schroeder-Gardner created Making Sense of Cents in order to help improve her own finances. With diligence, she was able to pay off $38,000 in student debt in 7 months, kept track of progress, and helped readers along the way. She's currently touring North America and living out of an RV. You can learn more about her and see her monthly income reports at MakingSenseOfCents.com. The original post is located here: https://www.makingsenseofcents.com/2022/01/how-to-quit-your-job-and-become-self-employed.html  Visit Me Online at OLDPodcast.com  Interested in advertising on the show? Visit https://www.advertisecast.com/OptimalStartUpDaily Learn more about your ad choices. Visit megaphone.fm/adchoices

Michelle Schroeder-Gardner of Making Sense of Cents talks about how to save more money by living a life without cable. Episode 2370: Life Without Cable - Start Saving More Money Today by Michelle Schroeder-Gardner of Making Sense of Cents Michelle Schroeder-Gardner created Making Sense of Cents in order to help improve her own finances. With diligence, she was able to pay off $38,000 in student debt in 7 months, kept track of progress, and helped readers along the way. She's currently touring North America and living out of an RV. You can learn more about her and see her monthly income reports at MakingSenseOfCents.com. The original post is located here: https://www.makingsenseofcents.com/2015/04/how-to-cut-cable-cutting-cable.html  Visit Me Online at OLDPodcast.com Interested in advertising on the show? https://www.advertisecast.com/OptimalFinanceDaily Learn more about your ad choices. Visit megaphone.fm/adchoices

Michelle Schroeder-Gardner of Making Sense of Cents talks about the power behind a no spend challenge. Episode 2282: The Power Of A No Spend Challenge by Michelle Schroeder-Gardner Michelle Schroeder-Gardner created Making Sense of Cents in order to help improve her own finances. With diligence, she was able to pay off $38,000 in student debt in 7 months, kept track of progress, and helped readers along the way. She's currently touring North America and living out of an RV. You can learn more about her and see her monthly income reports at MakingSenseOfCents.com. The original post is located here: https://www.makingsenseofcents.com/2015/10/the-power-of-a-no-spend-challenge.html  Visit Me Online at OLDPodcast.com  Interested in advertising on the show? https://www.advertisecast.com/OptimalFinanceDaily Learn more about your ad choices. Visit megaphone.fm/adchoices

Michelle Schroeder-Gardner of Making Sense of Cents shares the worst money advice she's ever heard Episode 2236: The Worst Money Advice I've Ever Heard by Michelle Schroeder-Gardner Michelle Schroeder-Gardner created Making Sense of Cents in order to help improve her own finances. With diligence, she was able to pay off $38,000 in student debt in 7 months, kept track of progress, and helped readers along the way. She's currently touring North America and living out of an RV. You can learn more about her and see her monthly income reports at MakingSenseOfCents.com. The original post is located here: https://www.makingsenseofcents.com/2014/08/the-worst-money-advice-ive-ever-heard.html  Visit Me Online at OLDPodcast.com Interested in advertising on the show? https://www.advertisecast.com/OptimalFinanceDaily Learn more about your ad choices. Visit megaphone.fm/adchoices

Michelle Schroeder-Gardner of Making Sense of Cents tells you what to do when you can't pay your bills Episode 2193: What To Do When You Can't Pay Your Bills by Michelle Schroeder-Gardner Michelle Schroeder-Gardner created Making Sense of Cents in order to help improve her own finances. With diligence, she was able to pay off $38,000 in student debt in 7 months, kept track of progress, and helped readers along the way. She's currently touring North America and living out of an RV. You can learn more about her and see her monthly income reports at MakingSenseOfCents.com. The original post is located here: https://www.makingsenseofcents.com/2016/02/what-to-do-when-you-cant-pay-your-bills.html  Visit Me Online at OLDPodcast.com Interested in advertising on the show? https://www.advertisecast.com/OptimalFinanceDaily Learn more about your ad choices. Visit megaphone.fm/adchoices

Michelle Schroeder-Gardner of Making Sense of Cents talks about whether or not you need a budget Episode 2158: Do You Need A Budget? By Michelle Schroeder-Gardner Michelle Schroeder-Gardner created Making Sense of Cents in order to help improve her own finances. With diligence, she was able to pay off $38,000 in student debt in 7 months, kept track of progress, and helped readers along the way. She's currently touring North America and living out of an RV. You can learn more about her and see her monthly income reports at MakingSenseOfCents.com. The original post is located here: https://www.makingsenseofcents.com/2015/04/reasons-for-budgeting-preparing-a-budget.html  Visit Me Online at OLDPodcast.com Interested in advertising on the show? https://www.advertisecast.com/OptimalFinanceDaily Learn more about your ad choices. Visit megaphone.fm/adchoices

Michelle Schroeder-Gardner of Making Sense of Cents talks about relying on credit cards for your emergency fund Episode 2127: Should You Rely On Credit Cards For Your Emergency Fund? By Michelle Schroeder-Gardner Michelle Schroeder-Gardner created Making Sense of Cents in order to help improve her own finances. With diligence, she was able to pay off $38,000 in student debt in 7 months, kept track of progress, and helped readers along the way. She's currently touring North America and living out of an RV. You can learn more about her and see her monthly income reports at MakingSenseOfCents.com. The original post is located here: https://www.makingsenseofcents.com/2015/09/credit-cards-for-your-emergency-savings-fund-amount.html   Visit Me Online at OLDPodcast.com Interested in advertising on the show? https://www.advertisecast.com/OptimalFinanceDaily Learn more about your ad choices. Visit megaphone.fm/adchoices

Michelle Schroeder-Gardner of Making Sense of Cents talks about why she'll never buy a timeshare Episode 2096: Why I'll Never Buy A Timeshare by Michelle Schroeder-Gardner Michelle Schroeder-Gardner created Making Sense of Cents in order to help improve her own finances. With diligence, she was able to pay off $38,000 in student debt in 7 months, kept track of progress, and helped readers along the way. She's currently touring North America and living out of an RV. You can learn more about her and see her monthly income reports at MakingSenseOfCents.com. The original post is located here: https://www.makingsenseofcents.com/2015/03/why-are-timeshares-bad-worth-it.html   Visit Me Online at OLDPodcast.com Interested in advertising on the show? https://www.advertisecast.com/OptimalFinanceDaily Learn more about your ad choices. Visit megaphone.fm/adchoices