Welcome to Careful Cents!

I’m Carrie Smith Nicholson, the founder and owner of Careful Cents, LLC.

I started this blog and business in 2011 as a way of being accountable to getting out debt and building wealth. Over the past years, I’ve built this community into over 20,000 subscribers and a growing team!

We test out the best business tools and self-employed tips for scaling your online business (so you don’t have to!). Through helpful (free!) content we empower online business owners, bloggers, and freelancers to make the best educated decision for their lives.

We do this through honest comparisons of business tools, apps, and systems.

If you’re committed to scaling your business, we’re here to help you earn more money in less time!

  • You’re ready to stop business burnout and finally focus on what matters
  • You want to take back your time and stress less
  • You’re serious about doing what it takes to simplify your life

We can help your online business or startup scale without the stress!

We work with online business owners and bloggers to find the best financial tools, apps, and systems so you can grow your business without hiring a large team and can scale without stress!

We also implement and set up these products and services as an Executive Virtual Assistant and Project Manager

We’ll show you how to take back your schedule, create simple business systems, and streamline your workflow.

Yes, you can make a living from your passion, without getting burned out or being a slave to the (new!) grind.

We don’t sell our own products.

Instead, we share unbiased opinions about the BEST tools, apps, and products available for making money and scaling your business. 

We spend the time testing, experimenting, and sharing the results so you can build the business of your dreams!

The Careful Cents Mission

We believe you don’t need a large team to build a 6- or 7-figure business! We’ve proven that you can take back your time, and have control of your own schedule.

We prefer to use free or cheap tools and time-saving methods, instead of paying for expensive help. 

No more stress or disorganization. You need better systems. You want to explode your business. Let’s do this!

Helping business owners stress less

I’ve been helping small businesses and ambitious entrepreneurs for the past 15 years. I have a background as a small business accountant, and experience managing small teams of 10 members or less.

In the past, I’ve worked with H&R Block, Capital One, and startups like MileIQ. I’ve also been featured in Inc Magazine, Redbook, and Refinery29, to name a few.

Click here to see my entire portfolio and past experience!

My team and I also share my knowledge bombs through blog posts and regular newsletters.

Sign up to the newsletter and get our free mini-guide about The Top 10 Tools I Use in My Business Every Week (one business owner called this guide “gold”).

Enter your name and email address to get my FREE GUIDE, The Top 10 Favorite Business Tools I use every week!

Carrie Smith Nicholson is a systems strategist, Asana expert, and business blogger. After paying off $14,000 of debt she quit her accounting day job and started her blog, Careful Cents. Over the past 6 years, she’s helped burned out business owners who are tired of chasing money, start earning money on their terms. She does this through better business systems, financial organization, and productivity tips. Since then, she’s written for sites like Inc.com, Time.com and has been featured in Glamour Magazine and Redbook Magazine