89 Practical Life and Money Management Tips to Transform Your Future

Well, we’re already looking at a new year — can you believe it?

As the year wraps up, it’s the perfect time to collect and highlight all the Making Sense of Cents posts from the past year in one convenient place so you can browse the best resources easily.

I’ve organized the posts into the following categories:

  • My favorites
  • Money-saving tips
  • Debt strategies
  • Money management
  • Make money blogging
  • Make extra money
  • Income reports
  • Life, motivation, and inspiration
  • Travel

I also run a private community for readers of Making Sense of Cents. If you want to improve your finances and your life, join the group on Facebook and connect with others who are working toward the same goals.

The private group has grown to over 15,000 members and continues to expand. We’d love to have you join and share your questions and wins.

Enjoy these practical, real-world money management tips!

My favorites

If you want a quick look at my absolute favorite Making Sense of Cents articles from 2019, here they are:

  • My Quest To Be More Present And Enjoy Life More
  • How To Get Rid Of A Timeshare – Stop Wasting Your Money!
  • How To Reduce, Reuse, And Save More Cash
  • How And Why My Husband And I Keep Separate Finances
  • Living On A Boat – The Good, The Bad, And The Beautiful
  • The Most Important Money Lessons I Learned From My Dad
  • We’re Moving Onto A Plane!
  • Less Stuff, More Freedom

Money-saving personal finance tips

  • Everything You Need To Know About How To Build Credit
  • 16 Alternatives To Cable TV That Will Save You Money
  • 10 Quick and Easy One-Pot Meals
  • 10 Easy And Delicious Lunch Ideas For Work
  • 21 Ways To Save Money In College
  • Summer Money Saving Tips: 18 Ways To Save
  • Is Couponing Worth It? Are You Wasting Money Trying To Save?
  • How To Earn Over 20x The National Savings Rate
  • 10 Easy Freezer Meal Recipes
  • Save Money And Avoid A Storage Unit
  • 50+ Creative Ways People Have Saved Money
  • 10 Easy And Affordable Meal Prep Ideas
  • Save More At The Store By Avoiding Common Sales Techniques
  • The Ultimate Guide: Over 50 Money-Saving Tips For 2019

Pay off debt tips

  • How Amanda Paid Off $133,763 In Debt in 43 Months
  • How We Paid Off $100,000 of Debt on a Single Income
  • How I Paid Off $30,000 of Student Loans in 2 Years by Paying the Minimum Balance
  • 2 Strategies and 3 Habits That Helped Me Pay Off $93,000 of Debt in 3.5 Years
  • 6 Credit Card Myths You Need To Know The Truth About
  • How We Paid Off $266,329.01 in 33 Months
  • How We Paid Off Our $223,000 House By Age 30 (Yes, We Have Kids!)
  • Is Paying Off Your Debt Worth It?
  • Top 5 Credit Card Mistakes And How To Avoid Them
  • How Our Family of 5 Went from House Poor to Debt Free in 3 Years
  • How We Paid Off $20,000 of Student Loan Debt in 12 Months at 23 Years Old

Related personal finance tip: You can get your credit score for free with services like Credit Sesame. Checking your credit score is easy and can help you understand how your score affects loan approvals, job opportunities, interest rates, and more. It’s usually straightforward to improve your credit over time, so start today and read the related post on how your credit score affects your life.

Money management tips

  • Can Buying Things Really Make You A Happier Person?
  • Do You Need To Have “The Talk?” – 4 Powerful Reasons To Talk About Money
  • Common Phone Scams: Tips To Avoid Becoming A Victim
  • Home Buying Tips You Need To Know Before You Buy
  • How To Become Rich – It’s More Than Millions In The Bank
  • Save Money With These Top Tips For Buying A New Car
  • Money And Relationships: Are You On The Verge Of Calling It Quits?
  • Is Your Job Costing You Too Much Money Each Year?
  • Learn How To Downsize Your Home, Stress-Free

Related personal finance tip: Tools like Personal Capital help track net worth, cash flow, portfolios, and investments for free — a useful resource to better manage your finances.

Making money blogging

  • 12 Free Resources To Grow Your Blog Fast
  • How To Start A Successful Blog In 10 Steps
  • 8 Reasons Why I Absolutely Love Affiliate Marketing For Bloggers
  • 3 Common Legal Mistakes Bloggers Make (and How to Fix Them)
  • How To Earn Money Blogging: Your Top Questions Answered
  • Why All Bloggers Need An Email List
  • How Jodi Is Making $7,000 A Month Blogging In A Narrow Niche
  • How I’ve Made Over $1,000,000 From My First Course Without a Big Launch
  • How One Blogger Grew His Blog to Over 2 Million Visitors In A Year

How To Start A Blog FREE Course: Sign up for the free email course that walks you through building a blog from the technical setup to earning your first income and attracting readers. Over seven days you’ll receive practical steps to create and grow a successful blog.

Make extra money

  • The Best Online Tutoring Jobs – A Flexible Way To Make More Money
  • How Sarah Earns $5,000,000 A Year With Shopify
  • 18 Of The Best Ways To Make Extra Money For The Holidays
  • How To Start As A New Freelance Writer
  • Want To Make Money From Home? 17 Of The Best Online Jobs
  • Is Thrift Store Reselling Good Or Evil?
  • 12 Passive Income Ideas That Let You Enjoy Life More
  • How To Make $300+ Weekly As An Online Tutor With Course Hero
  • Can You Really Make Money With Paid Online Surveys?
  • How We Turned A Free Chair Into $103,000
  • 10 Powerful Lessons Every Freelancer Needs To Know
  • How To Make $1,000 Extra With Facebook Each Month
  • How I Made Over $1,000,000 in Photography Without Being a Pro
  • Make Extra Money Teaching English Online
  • The Honest Truth About Going Full Time With My Side Hustle
  • Want To Make An Extra $100 A Month? Learn How To Become A Mystery Shopper
  • 80 Ways To Make Money On The Side in 2019

Life, motivation, and inspiration

  • How To Be More Productive: 17 Tips To Help You Live A Better Life
  • How To Better Yourself – 23 Challenges That Will Change Your Life
  • Are Excuses Causing You To Be Bad With Money?
  • 30 Money And Life Lessons I’ve Learned In The First 30 Years Of My Life
  • Living Your Best Life Starts With No More Excuses
  • 9 Ways To Successfully Balance School And Work
  • Learn How To Set 2020 Resolutions — Make This Year The Best Yet!

Travel

  • The Honest Truth About Van Dwelling: Answers To The Most Common Van Life Questions
  • Are Budget Airlines Worth It? 6 Tips To Cut Travel Costs
  • We’re Going To Start Living In A Van!
  • 10 Easy and Delicious Camping Meal Recipes
  • 10 Easy Road Trip Snack Recipes
  • 15 Outdoor Jobs For People Who Love Being Outside
  • Is Full-Time Traveling As Good As It Sounds?
  • How We Made The Switch To Full-Time Travel And Planned A Life Of Adventure
  • Work, Live, And Travel Where You Want
  • Want To Be A Full-Time Traveler? 13 Ways To Make It Happen
  • Sailing SV Delos – Living A Beautiful Life On The Sea

What is the best personal finance tip you learned this year?