About Carrie Smith

Carrie Smith is an ex small business accountant who now helps freelancers and entrepreneurs get out of debt and organize their lives, so they can fund their dream business. Find her on Twitter @carefulcents.

10 Simple Tactics Business Owners Can Use to Increase Revenue

All business owners want to make more money in less time. But how? There’s so much to do and so little time to do it. No matter how you look at it, you will almost always have to trade some of your time for money. But that’s the key — making sure you spend your […]

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 […]

How to Get Started Freelancing Today with No Experience

Listen to this post thanks to our friends at Optimal Startup Daily. Making money online isn’t easy but it can pay off big if you apply the right strategy and stick with it — much like anything else in life. As someone who recently quit my day job to freelance full-time, I understand how to […]

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 […]

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 […]

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

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 […]

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 […]

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 […]

How to Deal With the Unhealthy Stress Caused by Debt

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 […]

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 […]

6 Steps to Help Stop the Cycle of Debt

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 […]

3 Dangerous Christmas Shopping Debt Traps and How to Avoid Them

The Christmas shopping season is one of the most expensive times of the year. It’s also my least favorite. We’re supposed to focus on giving and spending time with our friends and family, but for many of us, it’s turned into a shopping nightmare, accompanied with the obligation of buying presents for every single person […]