About Carrie Smith

Carrie Smith is a small business consultant and former accountant. She paid off $14,000 in debt and launched a successful freelance writing career and blog. Carrie now advises online marketers, startups, and virtual teams on how to start, grow and scale their businesses via CarrieConsiders.com. Carrie has contributed to Inc.com and Time.com and has been featured in Glamour Magazine, NerdWallet, Refinery29, Yahoo! Finance, and Redbook Magazine.

How to Get Started Freelancing Online Today

You want to earn money online. That is AWESOME! What I do today is earn money online. Actually, I’ve been doing it for years! What started as something I did for fun (and extra money) on the side has led to a career change that’s given me the freedom to earn more money and enjoy spending more time with my family. You can learn how to start freelancing today. This involves figuring out what type of freelancer you want to become, … [Read more...]

How to Make Six Figures a Year as a Freelancer

One of the strangest beliefs about freelancing is that it either makes you a ton of money or nothing at all. I'm not the only one who used to think this. A lot of people have this misconception that “making money on the internet” is either scammy or completely impossible. So naturally, when I quit my very comfy (and well-paying) accounting job, to build an online business, my family thought I was crazy. On paper it doesn’t make a lot of sense to leave the … [Read more...]

Is it Worth Going Into Insane Debt for In Vitro (or Adoption)?

Having children is a luxury a lot of women and couples experience on a daily basis. However, for others, it’s a difficult struggle. There are many factors why couples might not be able to have the family they long for, but one of the biggest considerations is the financial aspect. Most moms-and dads-to-be won't have insurance that covers the majority of fertility or in vitro fertilization (IVF) treatments. And most people don’t easily have the means to start the … [Read more...]

25 Insanely Easy Ways to Manage Your Money and Get Back on Top

Ready to manage your money and get back on top? It's taken me 3 years to consistently stay on top of my finances. It's not a simple task for sure, but most of the time we make it harder than it really is. Once you implement a few simple tasks, you'll be on track. Below are twenty-five insanely easy ways to manage your money and take back control. 1. Commit to a small savings goal. A small step forward is better than a giant leap forward couple with a loss of … [Read more...]

Dump Your Car Loan and Pay for Your Next Car with Cash

Is it time to dump your car loan? Besides the mortgage, a car loan is often the next biggest thing on the list. And depending on the type of car you buy, you could spend anywhere from a few thousand to several hundred thousand dollars on a new car. Of course with that shiny new car often comes with a car loan and monthly payments. My car loan was the last thing I paid off before I became debt-free. I got into the car loan when I traded in my first car -- with no … [Read more...]

6 Ways to Give Memorable Gifts (Without Going Into Debt)

The fine fellas at Optimal Finance Daily created an audio version of this post. Listen along using the player below. When you’re part of big family like I am, it's hard not to come under peer pressure to spend a lot of money on gifts. As one of five kids -- all who have families and kids of their own -- buying gifts for every holiday and birthday get really expensive. And with the never-ending feeling of having to make each gift bigger and better than the … [Read more...]

10 Ways to Stay Fired-Up While Paying Down Debt

At the beginning of the year, we’re all fired up about making New Year’s resolutions and changing our habits for the better. We get excited about the prospect of this year being the year we finally take back control of our finances and pay down our debt. But then a month or two goes by and we become less enthusiastic and less motivated. The further away from the beginning of the year we get, the less likely we are to actually reach our goals. Statistics show … [Read more...]

How to Deal With the Unhealthy Stress Caused by Debt

Stressed out? We all know that paying down debt has positive effects on your finances. But have you ever realized that it can have positive effects on your health and overall well-being too? It’s true! Getting out of debt has intangible benefits and can help you become a happier and healthier person. Last year when I became debt free, I discovered first hand, how interconnected being in debt is with the overall health of your mind and body. Four of the … [Read more...]

A Simple Strategy to Get Out of Debt for Good

As the New Year rolls around, many of us are reflecting over the past 12 months and creating new goals and resolutions for the upcoming year. Without a doubt the most popular New Year’s resolutions have to do with getting a fresh start, which invariably involve either getting fit or getting out of debt. In fact, studies show the most common New Year’s resolutions are losing weight and exercising more, followed by managing debt, saving money and reducing … [Read more...]

6 Steps to Help Stop the Cycle of Debt

Are you caught in a downward debt spiral? Debt is a vicious cycle, and once you're stuck, it's very difficult to get out. I learned this the hard way when I woke up and realized I was $150,000 in debt, constantly worried about money and was only 23 years old. That’s not the best way to start out your adult life! My American dream of owning a home, having a fulfilling career and settling down, turned into a debt nightmare. No matter how hard I tried to get my … [Read more...]

A Costly Debt Trap that Every Young Adult Should Avoid

Editor's note: please join me in welcoming Carrie Smith, new staff writer. Carrie is a successful freelance writer across many sites, including her own, CarefulCents.com. She will be sharing her story with money and her successes in getting rid of debt. Are you building a debt trap? I was 23 when bought my first house. I thought I had it all; the big yard, a two car garage and all the pride that came with being a homeowner. It was my American Dream come … [Read more...]

3 Easy Ways to Make Money to Pay Off Debt

It took me just over a year to completely wipe out my debts. That felt like an eternity to me. No matter how much debt you have you'll discover that getting out of debt is tough. There's no easy way out or shortcut to take, and you'll want to quit more times than you can count. However, there is one strategy you can use to make it easier or faster--making more money. To be debt-free there are only two real strategies that work: … [Read more...]