Money Making Sense

Money Making Sense is a 2017 People’s Choice Podcast Awards (#PCA17) finalist. Host Heather Kelly focuses on how to find financial peace by better allocating your paychecks and analyzing the impact of simple family decisions. Each episode approaches the topic of personal finance from both a cost-savings and revenue-generating perspective. Covered topics include: vacationing on a budget, accumulating retirement savings on a limited income, reducing household expenses, the financial impact of owning a pet, and how money affects relationships. Money Making Sense will give you practical ideas on how to improve your bottom line.
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Now displaying: August, 2017
Aug 30, 2017

Shopper extraordinaire, Holly Barraclough, is back to give us the skinny on how to save money on all your back-to-school supplies.  Check out  or  to buy gift cards to your favorite retailers at a reduced rate.

Also, find out how to get your kids involved in getting their school supplies  --from scavenger hunts to school supply swaps.  Don't forget about helping the teachers who teach your kids by taking care of supplies the classroom needs.

Let's not forget about college students.  You can rent textbooks, instead of buy them, at  AND... find out what Holly says is the 'Biggest Waste of Money' a college student, or parent, can do.


Aug 25, 2017

Parents across the U.S. are feeling the pinch as they pay for back to school supplies for their kids.  Guests Mike Beach, Vice President of Finance at Southern Utah University and Susan Speirs, CEO of Utah Association of CPAs has tips on how to save money and prepare for the future.

Host Heather Kelly finds out when the best time to buy your back-to-school supplies is... and the answer may surprise you.  Also, when should our high school kids start thinking about college tuition help?

And teachers can get tax breaks any supplies they need to purchase for their classrooms.  But, can parents?  We answer that question on this week's episode of Money Making Sense.

Aug 23, 2017

Should contraception be covered by insurance companies?  In Part 5 of Fixing Health Series, Dr. Brian Shiozawa, the Republican Utah State Senator from District 8   and Dr. Kathie Allen, a Democrat running to replace Jason Chaffetz in the 3rd Congressional District tell host Heather Kelly what they think about the controversial subject.

Then they cover the subject of Pharmaceutical companies paying their CEO's exorbitant amounts of money at the expense of their employees and their customers' lives.


Aug 21, 2017

In part 4 of "Fixing Health Care" series, guests Democrat Dr. Kathie Allen,  running for Jason Chaffetz seat in the 3rd Congressional Distric and Republican Senator Dr. Brian Shiozawa  representing District 8 of in Utah talk about what should be repealed from the Affordable Care Act.  

And find out what was one of the 'unintended' consequences of Obamacare.

Aug 16, 2017

The Republican led congress tried to repeal a large majority of the Affordable Care Act.  Calling it 'Skinny Repeal' with nothing legislated to take it's place.  

Host Heather Kelly asks her guests Republican Utah State Senator Dr Brian Shiozawa  and Democrat Dr. Kathie Allen,  who is running in the 3rd Congressional District to replace Jason Chaffetz, what would have happened if Obama care was repealed with no other health care plan in the works.

Find out why Dr. Shiozawa calls this the most complex issue facing American society today in Part 3 of Fixing Health Care.


Aug 14, 2017

Insurance companies decide the price doctors should charge their patients.  So, what's affordable health care to one person isn't the same for another.

Host Heather Kelly is joined by Dr. Kathie Allen, a Democrat running to replace Jason Chaffetz in the 3rd Congressional District, and by Dr. Brian Shiozawa, a Republican Utah State Senator from District 8.  Heather asks them what they think 'affordable' is in Part 2 of Fixing Health Care.

What do these two politicians on opposite sides of the fence agree is 'affordable?'  What can Washington politicians learn from this discussion?  And what was their answer regarding what constitutes affordable health care?

Aug 11, 2017

Pregnancy used to be considered a pre-existing condition before the Affordable Care Act.  With the GOP led Congress trying to repeal Obamacare, will that mean pregnancy won't be covered under new insurance plans?

Host Heather Kelly is joined by Dr. Brian Shiowaza, a Utah Republican State Senator from District 8 and Dr. Kathie Allen, a Democrat running for Jason Chaffetz 3rd Congressional District seat to discuss what can both sides agree upon in Part 1 of Fixing Health Care Series. 

These two politician doctors show Washington D.C. how to start the conversation on 'how to fix health care' by listening to the things both sides actually agree upon.

Aug 9, 2017

Certified financial planner Shane Stewart from DMBA joins Host Heather Kelly to discuss when and how to save for retirement.  The number one thing to do is start saving early.  But, it's never too late.

Make sure you are received financial advice suitable for your situation in life.  Buying 10-life insurance policies at age 92 is not good advice.

Shane explains how one client saved $600 in his 401k the last 3-paychecks of his entire career.  So, he was able to retire with some spending money for his long awaited vacation.




Aug 2, 2017

What is mystery shopping and is it legit? Fellow podcaster Andy Farnsworth with SLC Fanboys joins me as an expert mystery shopper to give insights into how this works.

Andy tells how he became a mystery shopper and host Heather Kelly gives details on where to find legitimate companies to shop for. 

And don't forget about Survey taking.  Find out how much money Heather Kelly has made in a 30-day period taking legitimate surveys.