Welcome to Careful Cents!

I’m Carrie Smith Nicholson, the #girlboss behind the Careful Cents brand, a community of freelancers and self-employed biz owners who are committed to earning more money in less time.

  • You deserve to earn more while working less
  • You’re ready to stop doing it all and finally focus on what matters
  • You want to be your own boss and stop asking for permission
  • You’re serious about doing what it takes to see positive results

I’ve been where you are and I can help!

I’ll show you how to create simple business systems and implement (fun!) financial organization to streamline your workflow.

Yes, you can make a living from your passion, without being burnt out or catering to many different bosses.

I believe freelancers can start and grow a life-centered business through financial organization and business systems.

I believe that you can earn a living doing what you love all while making money on your terms. Throughout the last five years, I have proven that:

  • You don’t have to stay in debt
  • Be stuck in a job you hate
  • Or struggle to pay the bills

It just takes a simple set of steps to stress less and actually enjoy your life as a self-employed freelancer.

It wasn’t easy quitting my job and starting an online business — I faced a lot of obstacles, money problems, stress and sleepless nights. But since I implemented some simple business systems and processes, I’ve been able to build a thriving online business.

In 2015 I grossed over $78,000 from my blog and freelance business projects.

How did I accomplish this?

I did this by using free or cheap tools and time-saving methods, without compromising my work ethics, all while working on projects that get me excited.

No more job boards

No more begging people to pay your rates. 

No more stress or disorganization.

It’s time to earn more money in less time!

That’s why I’m on this mission! I aim to help freelancers become their own bosses and stop getting underpaid. You simply have to streamline your process and create better business systems. Yes, you CAN build a life that doesn’t revolves around work.

Sacrificing my relationships for a career

I speak from experience as I was a workaholic for over a decade and my relationship to the person I loved most in the world failed because of it. After getting divorced at 25 years old, I had to start my life over, and that meant re-evaluating my life goals.

This was a huge wake-up call where I realized I wanted to create a life didn’t have my career as the center focus, but instead I wanted to create a career that revolved around my life — a life-centered business.

Taking back control and quitting my job

I never dreamed about becoming self-employed, but this new direction was taking me down this path. I started by taking back control of my finances and career by paying off over $14,000 of consumer debt and then saving up enough money to quit my full-time accounting job a year later.

Since that time, I started a freelance writing business, launched the Careful Cents Club and have built a community of over 7,000 freelancers and small biz owners.

Helping freelancers stress less

I’ve been helping small businesses, freelancers, and solopreneurs for the past 15 years. I currently work with some awesome freelancers who continue to inspire me by accomplishing great things.

And now I want to share all my secrets with you through my blog posts, weekly newsletter and regular workshops I host. You can also sign up to the newsletter and get my free mini-course workshop about Landing Well-Paying Clients Without Using Job Boards (one freelancer called this video “gold”).

Enter your name and email address to access my FREE No More Job Boards course and get more well-paying clients today!

When I’m not blogging, or helping awesome freelancers get organized, I can be found painting or sketching in my art studio. To see all my artwork, connect with me on Instagram, @carefulcents. You can also connect with me in real time on Twitter, @carefulcents.

Earn money in less time

Creating an exclusive and non-promotional community around my blog has opened up tons of opportunities — in my career, my relationships, and life in general. I’ve been able to travel more and go on new adventures!

But this required a lot of time, effort and mistakes that I hope you don’t have to go through.

Whether it’s quitting your job, finding quality clients, outsourcing work, finding the best budget-friendly business tools or getting your finances organized, you’ll find the answers here at Careful Cents.

Cheers to making money on your terms!

Carrie Smith Nicholson is a small business expert who specializes in helping freelancers create business systems and implement financial organization so they can stress less. She’s also a freelance blogger and the founder of Careful Cents. After paying off all her debts in 2012, she quit her full-time accounting job a year later to pursue entrepreneurship. Since then, she’s written for sites like The Huffington Post, and has been featured in Glamour and Redbook Magazine. You can connect with her in real time on Twitter: @carefulcents.