Carrie Smith Nicholson

Hi there! My name is Carrie Smith Nicholson. After paying off $14,000 of debt and quitting my accounting day job, I started this blog. Over the past 8 years, this site has grown into a trustworthy resource for all things money. These days, I help solopreneurs turn their blogs into businesses (and sell) for big profit! Connect with me @carrieconsiders or carrieconsiders.com.

Decrease PayPal Fees: 5 Ways to Lower Invoicing Fees

godaddy bookkeeping review

No one likes paying PayPal fees to receive money they’ve rightfully earned. I know I don’t! But this seems inevitable, and not something you can change. Right? NO, true! When it comes to accepting payments virtually, why do we let online payment systems rob us of our hard-earned income?  After being tired of giving up my …

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How to Make Money With Affiliate Marketing and Amazon (Without a Blog)

amazon affiliate program

This is a sponsored post written by me on behalf of Amazon Influencers. All opinions are 100% mine. Can you really make money with affiliate marketing without a blog? Yes! And there are actually a lot of options to do so. Affiliate marketing is basically a referral program that allows you to recommend certain products, …

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How to Improve Your Life by Tracking Every Tiny Business Expense

QuickBooks Self-Employed mobile app image

Improving your life as a small business owner starts by making small but positive changes. There are so many aspects of our lives that need to be taken care of: health, financial, social, personal and business. Some days it can feel overwhelming trying to balance everything and still find enjoyment in your work. One of …

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Discover Bank Review 2018: Free Personal Banking for the Self-Employed

discover bank review

Finding an online bank that has the features you need to support your personal expenses and self-employed business is a huge deal. At the most basic level, you want free, easy-to-use, and a high-interest rate for your money to grow. This is why you need to check out Discover Bank’s suite of online accounts! Nope, …

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5 Insanely Simple Ways to Fix Your Finances (With a Money System)

fix your finances

Are you ready to fix your finances? In this post that’s exactly what I’m talking about! In the past I’ve talked about the business systems you need to take back your work day. And I’ve also explained the ten things you can do every week to automate and streamline your business. These are strategies you …

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H&R Block Tax Software 2018: Self-Employed Online Tax Filing Made Easy

h r block tax software self-employed

Have you ever wished that you file your self-employed taxes online without the hassle of dealing with a complicated interface? Now you can with a great new option from H&R Block Tax Software! H&R Block recently rolled out a new Self-Employed Online Tax Filing option for small business owners and the self-employed. This is in …

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4 Tax Programs to File Self-Employed Taxes Online (for Less than $100)

self-employed taxes

Learning to file self-employed taxes online may seem daunting at first. Especially if you don’t have any tax experience or much knowledge. But that doesn’t mean you should miss out on saving money. In fact, you can easily create systems for your business income and expense, while saving $500+ in tax filing fees. By the time …

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How to Avoid a Huge Tax Bill When You’re Self-Employed

avoid tax bill

There are some awesome advantages to being your own boss, but trying to avoid a huge tax bill can seem impossible. Since you’re no longer an employee (that gets the benefit of having an employer pay half your taxes) you’re responsible to pay your own taxes every year. When you’re a blogger or online business …

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5 Best Standing Desk Alternatives You Can Actually Afford

best standing desk alternatives

Finding the best standing desk often means spending $500 or more! And that’s usually for a cheap standing desk too, since the nicer, more expensive ones can cost thousands of dollars. As a smart business owner, I knew there had to be standing desk alternatives that were cheap, portable, heavy duty, and worked in a …

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5 Tips for Starting a New Business With No Money (free checklist!)

starting a new business

Is this the year you’re finally committing to starting a new business? Are you struggling to find ways to fund your business because of money issues? Well I have some good news! This post provides a simple business checklist for starting a new business even when you don’t have money upfront. According to a study by the …

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LLC vs S Corp: A Step-by-Step Guide for Choosing the Best Small Business Entity

LLC vs S Corp

Should you be an LLC or an S Corp? Figuring out the difference between an LLC vs S Corp can be tough. Each decision comes with a different tax liability which effects your bottom line. That’s why you absolutely have to choose the best business entity, or risk losing all your hard-earned money on paying …

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Cinch Review 2018: Manage Your Entire Financial Life in One Place

Cinch Financial Review

Have you ever wished that there was something that could handle ALL of your financial information in one place? If you’re anything like me you probably use multiple tools for your business and personal finances, as well as a spreadsheet to monitor expenses. In other words, your finances are anything but streamlined and simple! Thankfully, …

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How to Quickly Switch from Freelance Writer to Virtual Assistant

A couple months ago, I did an impromptu Facebook Live on my Facebook Page. I had a lot of thoughts swirling around in my head about whether I should switch from freelance writer to virtual assistant. For the past year or so, I’ve been struggling with the direction of my business. It just felt like …

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[Budget Worksheet] How to Budget With Irregular Income to Avoid Going Broke

budget with irregular income

Being self-employed is tough enough without having to learn how to budget with irregular income. But today, you’re going to learn how to properly budget for success! Without this skill, your business could be making you broke. You’re not alone in this feeling — it’s something we all deal with as small business owners. It’s …

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How to Simplify Your Financial Life and Be More Mindful

mindful business owner

Are you looking for new ways to simplify your financial life? Let’s get real, managing your money and business isn’t easy. We’re all seeking new tips and tricks to become more mindful in life and business. We’re striving to be a mindful consumer, thoughtful eater, and smarter spender. If these are your goals too, here …

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How to Survive the Ups-and-Downs to Succeed as Your Own Boss

betterment investing

To succeed as your own boss often seems like an up-hill battle. There are many ups-and-downs you’ll face and it can feel like you won’t be able to survive them all. How do I know this? When you’re self-employed you experience major peaks and valleys. Self-employment isn’t easy. When you work for yourself you tend …

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