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Tuesday, December 1, 2020

Fwd: Pay Off Debt Or Save Money – Is One Better For You?

Hi!

Should you pay off debt or save money?

Every situation is different, and today, I'd like to go over different circumstances so you can figure out the best answer for your personal situation.

Whether you have a mortgage, student loans, a car loan, credit card debt, medical loans, or something else, you may be wondering if you should only focus on paying off your debt and how saving money fits in as well.

And, you may be stuck.

A big question when paying off debt is if that should be your sole focus. Should you still be trying to save money while paying off your debt?

Or, should all of the extra money you have be going towards your debt?

You may be wondering things such as:

Should I pay off debt or emergency fund first, as in set some money aside for emergencies?
Should I pay off debt or save up for a downpayment?
Should I pay off debt or save during a recession?
Can I pay off debt AND save money at the same time?

And so on and so on.

Paying off your debt is a great thing to think about.

However, where does saving money come in when it comes to your overall financial plan?

This becomes the really tough decision – should you pay off debt or save money? Is It better to pay off debt or save? Should you do both at the same time?

I am asked these questions all the time because people realize that both are very important personal finance decisions. But, everyone is going to have to make the best choice for themselves.

If you've read How I Paid Off $40,000 In Student Loans in 7 Months, then you know that I paid off my student loans quite quickly. In order to do this, I had to decide whether to focus on my student loans and pay off debt, or invest in my long term savings plan.

It was an incredibly tough decision to make, but I made paying off my debt my sole focus.

Deciding to pay off my debt while putting $0 towards my savings did not sit well with about 50% of my readers.

But, that's personal finance – it's personal!

Just because I made this choice doesn't mean that it's the only choice. In fact, I think that saving some would have been an equally good decision (maybe even better).

If you are asking yourself whether to pay off debt or save money, I can't give you a definitive answer because everyone's situation is so different.

However, I am going to go over some common questions about this topic to help you make the smartest decision for your situation.

Please head to Pay Off Debt Or Save Money – Is One Better For You? to read the full article.

Thanks!

Jon-jon

---------- Forwarded message ---------
From: Michelle Schroeder-Gardner <michelle@makingsenseofcents.com>
Date: Tue, Oct 6, 2020 at 8:41 AM
Subject: Pay Off Debt Or Save Money – Is One Better For You?
To: João <joaoa.desilva2020@gmail.com>

Cheers,

Michelle from Making Sense of Cents

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Fwd: How To Rent An RV: The Best Tips For Your First RV Adventure

Hi!

Are you interested in renting an RV?

Today, I'm going to talk about the best way to rent an RV, if renting is cheaper than a hotel, what to know before renting an RV, and more.

While I no longer live full-time in an RV (we're now living full-time and traveling via sailboat!), I lived in one for several years and still own one. When we're not on the boat, we live full-time in the van.

RVing is something that I absolutely love, and I think that traveling or living in an RV will ALWAYS be a part of my life!

What I love so much about living in an RV or van is that you have your whole house with you while you visit beautiful places. You can park right next to hiking and biking trails, next to the mountains or beaches, and more.

When we first sold our house to live in an RV full time, people thought we were crazy. We got rid of more than half of our stuff and started driving across the country.

But, as I started sharing our experience with our friends and family, more and more people started to realize it wasn't crazy at all – it was amazing!

RVing has become more popular over the past few years, and for good reason.

People like renting RVs for many reasons such as:

It can be a great way to connect with the outdoors, visit national parks, go hiking, and more.
Gives you the opportunity to test out RV living by renting one first.
If you're traveling with others, it can be a lot of fun to all travel with your RVs.

And so much more.

Because of that, I have been receiving a ton of questions about how to rent an RV.

We absolutely love RVing and it's definitely one of my favorite ways to travel.

Please head to How To Rent An RV: The Best Tips For Your First RV Rental to learn more.

Thanks!

Jon-jon

---------- Forwarded message ---------
From: Michelle Schroeder-Gardner <michelle@makingsenseofcents.com>
Date: Mon, Oct 19, 2020 at 12:56 PM
Subject: How To Rent An RV: The Best Tips For Your First RV Adventure
To: João <joaoa.desilva2020@gmail.com>

Cheers,

Michelle from Making Sense of Cents

------------------------------------------

Related content to how to rent an RV:

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Fwd: How To Become a Freelancer and Make a Full-Time Income

Hello!

Today, I have a fun interview to share with you that will show you how to become a freelancer.

I recently had the chance to interview Ben Taylor. Ben has been freelancing since 2004, and he has worked for dozens of companies.

Yes, this is a career path that you can learn!

As Ben will tell you in the interview below, a freelancer can be anything. You can be a freelance designer, personal trainer, nutrition coach, online teacher, virtual assistant, writer, and more.

If you are looking for a new business or even just a side hustle so that you can learn how to make extra money, learning how to become a freelancer may be something that you want to look into.

In this interview, you will learn:

What a freelancer is, who they work for, what they do, etc.
How much a new freelancer should expect to earn
How a person can find their first freelancing job
The steps needed to take to make money as a freelancer

And much more!

Please head to How To Become a Freelancer and Make a Full-Time Income to learn more.

Cheers,

Jon-jon

---------- Forwarded message ---------
From: Michelle Schroeder-Gardner <michelle@makingsenseofcents.com>
Date: Wed, Nov 18, 2020 at 9:10 AM
Subject: How To Become a Freelancer and Make a Full-Time Income
To: João <joaoa.desilva2020@gmail.com>

Thanks!

Michelle from Making Sense of Cents

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Fwd: 16 Best Online Jobs + $250 Giveaway

Hi!

Before I get to today's blog post, I wanted to share with you that I have a $250 Visa gift card giveaway on the blog. You can enter here.

Today's new blog post is 16 Best Online Jobs For College Students & How To Start.

Now, before you click out of here, this list is helpful whether you are in college or not!

If you are looking for an online job, this list can help you find one. Or, perhaps you know someone in college who is looking for an online job...

More and more people are attending college and working at the same time. This may be those who are going straight from high school to college, adults going back to college, those working towards more degrees, and so on.

I had to work throughout high school and throughout college, and I will admit that it was tough at times.

While almost all of it was in-person, hourly jobs, I would have loved to find something online instead! It would have made it much easier to balance work and school if I had a flexible, online job like I do now.

I didn't find out about blogging until towards the end of my time at college, and I wish I would have learned about working online sooner as it would have helped me greatly.

Being able to work online would have been helpful for many reasons, such as:

No commute
The possibility of a more flexible schedule (so that you can build it around your school schedule)
Being able to make money (duh!)

And more.

Being able to make money in college can help you start making payments on your student loans, have extra spending money, help you pay rent, and more.

Please head to 16 Best Online Jobs For College Students & How To Start to read the full blog post.

Thanks!

jon-jon

---------- Forwarded message ---------
From: Michelle Schroeder-Gardner <michelle@makingsenseofcents.com>
Date: Mon, Nov 9, 2020 at 9:53 AM
Subject: 16 Best Online Jobs + $250 Giveaway
To: João <joaoa.desilva2020@gmail.com>

Cheers,

Michelle from Making Sense of Cents

------------------------------------------

Related content:

Unsubscribe | Update your profile | 411 Walnut Street #13918, Green Cove Springs, FL 32043-3443

Fwd: 15+ Exciting Deals For Those Wanting To Work From Home

Hey!

The deals have started! On the blog today, I have created a Black Friday roundup of the best deals that I have found.

Some of the deals will help you grow via Pinterest, learn about SEO, make money blogging, start your own course, become a bookkeeper, become a virtual assistant, flip items for cash, and more.

The resources included here are all my favorites!

And, as I come across new deals and discounts, I'll be sure to add the details to this roundup as well.

Here's a quick roundup of the various deals:

Making Sense of Affiliate Marketing – 20% off (coupon code BLACKFRIDAY20SALE)
Making Sense of Sponsored Posts – 20% off (coupon code BLACKFRIDAY20SALE)
Pinterest Traffic Avalanche – 25% off (coupon code BLACKFRIDAY2020)
Learn SEO Bundle (coupon code BLACKFRIDAY20)
Six Figure Blogger – 25% off (coupon code BLACKFRIDAY2020)
Start your own course on Teachable – Up to 50% off
Work from home editing legal documents (no coupon code needed)
Start flipping items for cash – $100 off plus $890 in bonuses (BLACKFRIDAY2020)
Become a bookkeeper ($500 off)
Become a virtual assistant ($400 off)
Run Facebook ads for local businesses (30% off)
Right now, you can start a blog for just $2.65 per month, for 36 months, through Bluehost. You will also receive a free blog domain through my link too.

Plus more listed in the blog post!

Please head to 15+ Crazy Deals For Bloggers and Those Wanting To Work From Home to read about everything in more detail.

Thanks!

---------- Forwarded message ---------
From: Michelle Schroeder-Gardner <michelle@makingsenseofcents.com>
Date: Fri, Nov 27, 2020 at 8:27 AM
Subject: 15+ Exciting Deals For Those Wanting To Work From Home
To: João <joaoa.desilva2020@gmail.com>

Michelle from Making Sense of Cents

*There are affiliate links in this email.

Unsubscribe | Update your profile | 411 Walnut Street #13918, Green Cove Springs, FL 32043-3443

Fwd: Do you want to work from home?

Hello!

Are you looking to start a work from home business?

Today, I have rounded up the best home business deals.

These resources will help you become a bookkeeper, become a virtual assistant, flip items for cash, make money blogging, and more.

Here's a quick roundup of some of the discounts:

Making Sense of Affiliate Marketing – 20% off (coupon code BLACKFRIDAY20SALE)
Work from home editing legal documents (no coupon code needed)
Start flipping items for cash – $100 off plus $890 in bonuses (BLACKFRIDAY2020)
Become a bookkeeper ($500 off)
Become a virtual assistant ($400 off)
Run Facebook ads for local businesses (30% off)
Right now, you can start a blog for just $2.65 per month, for 36 months, through Bluehost. You will also receive a free blog domain through my link too.
Pinterest Traffic Avalanche – 25% off (coupon code BLACKFRIDAY2020)

Plus more listed in the blog post!

Please head to 15+ Crazy Deals For Those Wanting To Work From Home to read about everything in more detail.

Cheers,

Jon-jon

---------- Forwarded message ---------
From: Michelle Schroeder-Gardner <michelle@makingsenseofcents.com>
Date: Sat, Nov 28, 2020 at 12:07 PM
Subject: Do you want to work from home?
To: João <joaoa.desilva2020@gmail.com>

Thanks!

Michelle from Making Sense of Cents

*There are affiliate links in this email.

Unsubscribe | Update your profile | 411 Walnut Street #13918, Green Cove Springs, FL 32043-3443

Fwd: Free Webinar! Five (5) Ways To Cut Your Expenses, NOW!

Hi!

Are you looking to improve your financial situation?

There is a free money webinar that I quickly wanted to share with you today.

I have partnered with Ultimate Bundles, who is hosting this webinar.

You'll be learning from my friend Caroline Vencil, a penny pincher, a blogger, and a mother of four children.

Caroline's budgeting skills allowed her family to live off her husband's income at a time when it was only $17,000 a year.

In this free webinar, she'll teach you how to:

Create motivating financial goals
Identify expenses you can get rid of
Avoid making unnecessary purchases you'll regret later
Live a fun, full life without breaking your budget

You can get access to Caroline's practical tips and experience when you attend this FREE webinar on December 3rd or 4th.

Just pick your time and register through my referral link for the free webinar here.

Thanks

Jon-Jon

---------- Forwarded message ---------
From: Michelle Schroeder-Gardner <michelle@makingsenseofcents.com>
Date: Tue, Dec 1, 2020 at 9:11 AM
Subject: Free Webinar! 5 Ways To Cut Your Expenses
To: João <joaoa.desilva2020@gmail.com>

Thanks!

Michelle from Making Sense of Cents

Unsubscribe | Update your profile | 411 Walnut Street #13918, Green Cove Springs, FL 32043-3443