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.

How Much to Pay Yourself as a Small Business Owner (the Exact Formula)

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As a small business owner one of your biggest concerns is likely how to pay yourself. Being well-compensated is a big part of feeling valued, confident and productive. Now, think back to the first paycheck you ever received. If your experience was anything like mine you were probably in your late teens or early twenties, …

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Xero Accounting Review: DIY Software to Be Your Own Bookkeeper

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There are lots of online accounting choices for freelancers and small business owners. Because of this, it can make it difficult to pinpoint which one will work best for your personal business. Sometimes this means finding a local CPA or accountant who can handle the books for you. Or perhaps hiring a freelance bookkeeper to …

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10 Affordable Self-Employed Health Insurance Options When You’re on a Budget

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Trying to find affordable self-employed health insurance options isn’t easy. There are many choices but not all of them are within your budget. This can make it frustrating to figure out whether or not good health insurance coverage is worth breaking the bank. #1 Self Employed Health Insurance Pick! eHealthInsurance.com is the most popular self employed health …

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GoDaddy Bookkeeping Review (for 2019): Organize Your Business

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When it comes to personal finances and budgeting, Personal Capital is a very popular favorite. And with good reason! But what about managing your business finances? Personal Capital isn’t tailored for small business accounting, calculating quarterly taxes, monitoring your cash flow, or for viewing year-end tax reports. That’s when to GoDaddy Bookkeeping (previously called Outright) …

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eHealthInsurance Review: Lower Your Health Insurance Costs

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Finding ways to lower health insurance costs when self-employed is tough. There are many different options available, but finding an affordable one can seem impossible. The good news is that eHealthInsurance is one of the best ways to compare prices and different insurance plans. So you can find the best rate for the coverage you need! If you’re …

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5 Best Small Business Accounting Systems for 2018

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Sifting through multiple small business accounting systems is time-consuming and quite the headache. And I should know! As an ex-accountant and small business advocate it’s my job to test out different programs and share my honest findings. The good news is that I don’t mind putting in the work so you don’t have to. I’m …

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Gusto Payroll Review 2019: Try Free for One Month

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Are you looking for the best small business payroll program that won’t break the bank? Here’s why you need to try Gusto Payroll services. Finding the best small business payroll service isn’t always easy or cheap. It takes time to research the best programs, find the features you’ll actually use, and then stay tax compliant. …

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QuickBooks Self-Employed Review: Tax Software for Business Owners

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You’ve heard a lot about QuickBooks Online. But you’ve been searching for something better, with more features and that’s not as complicated to use. You want a version of Intuit’s accounting software that’s made for self-employed business owners. Something like, QuickBooks Self-Employed, maybe? BOOM! It looks like your prayers have been answered. Here is my …

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FreshBooks Review 2018: Try Cloud Accounting Software Free for 60 Days

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No matter what type of business you’ve built it’s vital you find accounting software that keeps tracks of your business income and expenses. And that’s where FreshBooks comes in! Over the years, FreshBooks has offered many different iterations of their software. The great thing though is that compared to other complicated accounting programs (like QuickBooks …

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Pay Off Debt Fast – How I Paid Off $14,000 in 9 Months on a Single Income

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As of May 29, 2012 I made my last debt payment and officially became debt free!!! I share a lot of my progress here on this blog with all the ups-and-downs along the way. But there’s still more to the story. In March 2011 I finally faced the harsh reality that I was over $14,000 …

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How to Become a Virtual Assistant and Make $5000 in 30 Days (Even as a Newbie)

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Anyone can become a virtual assistant and get paid to do what they love. I’ve proven it! One of the first dollars I ever earned as an online business owner was by working for another entrepreneur as her Marketing Assistant. I helped promote her ebooks through researching and creating posts for guest blogging campaigns, creating …

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TurboTax Self-Employed Review: How to File Small Business Taxes for Free

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Running your own business can get expensive. There are endless apps, courses and packages you can buy to increase productivity and invest into future growth. This is also true about filing small business taxes online as there are actually many budget-friendly solutions to choose from. But if you’re looking for the best resource for filing self-employed …

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Betterment Review (2019): Automate Retirement Savings and Build Wealth

According to the Retirement Confidence Survey, more than half of American workers have less than $25,000 in retirement savings. As someone who’s self-employed we have a bit more control over our finances. But even then, it’s tough to save for retirement when you have irregular income. This is why many retirees are being forced to …

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How to Invest in Yourself: 10 Life-Changing Ways to See Big Returns

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Learning how to invest in yourself can be a bit of a tug-of-war, especially as a business owner. You want to invest in self-care but if you’re not working on your business, you’re not making money. This can lead to feeling so guilt, stress, and anxiety. It’s not a pretty cycle to get stuck in. ???? …

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H&R Block Tax Pro Go 2019 Review: File Your Taxes Without the Headache

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What if you could get professional help filing your taxes without ever leaving the comfort of your own home? What if you could hire the tax pro you’ve been using for years, even if you moved to a new state? This is something I’ve personally been wishing for a long time! And now, thanks to …

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How to Rollover an IRA to Betterment Without Paying Fees

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In April of this year, I decided that it was finally time to rollover my Edward Jones IRA account to Betterment in order to save on yearly management fees. Edward Jones is considered a full-service broker while Betterment is an up-and-coming robo-advisor but offers many of the same perks and retirement account maintenance without the exorbitant fees. Rolling …

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18 Proven Ways to Pay Off Debt Fast When You’re Self-Employed

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Figuring how to pay off debt fast when you’re self-employed is tough. You don’t know where to start or what strategies will actually work. You income is all over the place, and you’re not sure what your next project will be. How the heck are you supposed to pay off debt quickly? One thing most …

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Best Business Checking Account With No Fees (For 2019)

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Choosing the best business checking account can be daunting as a small business owner. While most of your finance and money management is probably done online or with mobile apps, these days you still need a local branch to process certain business transactions. You also want to keep more of your hard earned money, which …

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7 Best Mobile Tax Apps to Organize and File Taxes (For 2019)

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There aren’t many tasks in life more annoying, confusing, stressful and overwhelming, than tax season. As someone who used to file taxes for a living and interacted with CPA’s on a daily basis, I’m always looking for ways to simplify this process. I know you can relate to this too! I mean, who wants to …

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MileIQ App Review: (Major Tax Savings) Tracking Business Miles

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No one wants to pay more taxes than they have to, especially not when you work for yourself. Paying for expenses like self-employed health insurance and quarterly taxes isn’t cheap. You deserve to keep more of your hard-earned money! Thanks to the MileIQ app you can get an accurate account of your business miles throughout the year and be …

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