Hi Im Carrie!

I expertly mix art and making a living so that creative entrepreneurs can afford to create without limitations.


Speaking at FinCon14

3 Reasons Freelancing is More Secure Than a Full-Time Job (#FinCon14 Recap)

To most people, becoming a freelancer is something you do when you can't get a "real job". But to anyone who freelances, you know it takes a lot of hard work and dedication to keep your clients happy, while making sure the bills are paid (and you still have time to sleep each day -- and eat). I started Careful…

walking down the street

My Backwards Approach to Becoming a Self-Employed Freelancer

This post is from new Careful Cents contributor EM, who owns the blog Journey to Saving. Over the next six months she'll be documenting her backwards journey to self-employment, so stay tuned. An accidental entrepreneur: that's an accurate description of myself, and the situation I was in earlier this year. I didn't know what it meant to have a side hustle…

clock time

3 Ways to Save For Retirement as a Self-Employed Entrepreneur

There are many awesome benefits to working for yourself, but there is one big pitfall compared to being an employee: saving for retirement. You don't get the traditional benefits of having an employer match your 401(k) contributions, allowing you to get "free money". However, just because you're a self-employed business owner or freelancer doesn't mean you can use that as an excuse for not…

Betterment review

Betterment Review: Automatic Investing for Beginners

According to the Retirement Confidence Survey, more than half of American workers have less than $25,000 in retirement savings. With a number this low, you’ll be lucky to pay your expenses for a year after you've retired. And if you have debt, you'll likely have to come out of retirement to find a job. Eeeek! That's not what you want…

jumping without net

Jumping into Self-Employment Without a Net: 4 Things You Must Do

I did it. I quit my job. For the past month I’ve been adjusting to my new freedom as well as a wildly different freelance schedule. It has been awesome, trying, invigorating and unsettling all at the same time. You see my journey to freelance life is a bit different than the norm. I had everything (and everyone) in the world…

plant near window

Life Insurance: What to Consider as a Self-Employed Business Owner

As a self-employed freelancer you already know the importance of health insurance, and to look at it as investment in your future (and your family’s future). We no longer have the luxury of a boss who can help pay our premiums. We are responsible for protecting ourselves in case of emergencies and health issues. But what about life insurance, is it…