About Carrie and Careful Cents

About Careful Cents and Carrie

Welcome to Careful Cents, where I help creative freelancers and solopreneurs tackle financial mountains! Whether you’re a writer, designer, painter, photographer, etc. you’re an artist in your own right. So I’ll show you how to make a living from your passion, so you can afford to create.

My name is Carrie Smith. I’m a solopreneur and money maverick on a mission! In 2012, I aggressively paid down $14,000 of debt so I could have the freedom to work less and travel more. Unfortunately my boss didn’t want me to work less and gave me an ultimatum.

So on May 1, 2013, I quit my full-time small business accounting job and set out to be my own boss. It wasn’t easy and I faced a lot of obstacles, but have since been able to build a thriving online business that helps other go-getters do the same. I love connecting with other freelancers who are ready to change their lives!

Careful Cents is all about creating work that revolves around your values + what’s important to you.

I implement methods and systems to help you run your business better, while allowing you to make a living from your art. We all need help navigating the large amount of financial advice out there, so we can start making money on our terms.

solopreneur finance

About My Mission + This Blog

Careful Cents is a blog I started out of a passion to help go-getters who feel stuck in a full-time job learn to express their creativity in other ways. For the most part, this presents itself as getting out of debt, quitting your day job, and being your own boss.

My mission is to help you create a business that revolves around your life, so you can stop living a life that revolves around work. I speak from experience as a workaholic myself, and have been able to use my own history to help small biz owners tackle financial mountains.

Somewhere along the way, you started spending all your time answering emails, reassuring clients and putting out business fires. I’ve been there and worked my way through the chaos.

At Careful Cents you will find the tools, apps and systems to take back your business and spend your time doing what you do best — running your business and making a profit.

I’m not your normal southern kind of girl — I’m a rocker at heart with a little grammar nazi thrown in! I’ve been helping small businesses, freelancers and soloprenerus for the past 10 years, and currently work with some awesome entrepreneurs.

I’m also a finance and business blogger for The Huffington Post, AllBusiness Experts, Bidsketch, GoGirl Finance and several other startup blogs. To see a full list of where I’ve been published, check out my portfolio page.

When I’m not blogging, or working with awesome go-getters, 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.

Meet the Careful Cents Team

Carrie Smith, Financial Artist + Editor
Carrie is a financial artist, writer and the founder of Careful Cents. Her goal is to design a life that revolves around her passions, and reducing the stress of the traditional work place. After paying off all her debts in 2012, she quit her full-time accounting job a year later to pursue entrepreneurship and blogging. Since then, she’s written for sites like Yahoo! Finance, The Huffington Post, and is the content editor and manager for several business blogs. You can connect with her in real time on Twitter: @carefulcents.
Melanie, Assistant Editor + Writer
Melanie is a freelance writer and editor currently living in Portland, Oregon. She is passionate about education, financial literacy, and empowering people to take control of their finances at DearDebt.com. During the day she’s the Assistant Editor for Careful Cents and is documenting her journey to breaking up with debt, freelancing, and her side hustle adventures. Currently she puts more than 50% of her income towards debt, while living a frugal, fun life. In addition to her love of personal finance, art and music, she is also a karaoke master. Connect with her in real time on Twitter: @DearDebtBlog.
Kayla, Project Assistant + Writer
Kayla is a freelance writer and virtual assistant who is working her way out of $18,000 of consumer debt and student loans. She’s a reforming fashionista and is blogging her way out of debt and clutter at ShoeaholicNoMore.com. She is currently a full-time agricultural credit analyst and part-time side hustler. She is working hard to convert her passion for writing and personal finance into her full-time job. You can connect with her on Twitter: @Shoeaholicnomor.

Meet the Careful Cents Writers

We’re all on a journey, and here at Careful Cents that journey usually involves getting out of debt, quitting our full-time jobs, and pursuing our own business ventures.

These writers have been brave enough to share their leap into entrepreneurship, and dare to leave nothing out. You’ll read the good, bad, and the ugly parts of what it takes to be a business owner and stick to the man.

Read more about them and their individual stories, below.

Kali Hawlk, Millennial Expert
Kali is a freelance writer and content manager who is currently building her business and becoming a full-time solopreneur. She’s passionate about personal finance, careers and business, and all things Gen Y. She writes about it all on her website, KaliHawlk.com as well as sharing her year-long journey to shifting her side hustle into a full-time career on Careful Cents. In her spare time she enjoys riding horses and being outdoors. You can connect with her on Twitter: @KaliHawlk.
Cat Alford, Freelance Blogging Expert
Catherine is a freelance writer who lived in the Caribbean with her husband and spoiled pup, Julep, before moving back the U.S. She recently quit her full-time job to become a freelance business owner, and documented her entire progress here on the blog. She received a B.A. from The College of William and Mary and an M.A. from Virginia Tech. She’s currently managing the ups-and-downs of being a mom to twins, and enjoys sharing her adventures on her blog, BudgetBlonde.com. You can connect with her on Twitter: @budgetblonde.
erin m featureErin M., Self-Employment Expert
Erin is a freelance blogger who enjoys talking about frugality, student loan debt and saving for the important things in life, on her blog, JourneyToSaving.com. She’s currently sharing her backwards journey to self-employment here on Careful Cents. She’s passionate about helping other millennials get their finances in order. When she’s not blogging, she loves reading, walking and spending time with family. Connect with her on Twitter: @journeytosaving.

Start Your Own Adventure

Organizing my life and my business has opened so many opportunities — in my career, my relationships, and life in general. I’ve been able to travel more and go on new adventures!

I’ve met tons of amazing and inspiring people and I’ve made some life long friends along the way. But I wouldn’t be where I am without this amazing team of freelance contractors + writers, and I detail my entire process in my new ebook, Delegating For Control Freaks and Cheapskates. Which you can purchase in the Careful Cents store.

While you’re checking out the store, you can also sign up to the newsletter and get my free Tax Toolkit for self-employed biz owners.

Whether it’s quitting your job, hiring help, outsourcing work, launching a business, doing taxes, finding the right tools, or getting organized — all while on a small budget — you’ll find the answers here at Careful Cents.

Cheers to your journey!