Money Making Sense

Money Making Sense is a 2017 and 2018 Peoples Choice Podcast Awards (#PCA17, #PCA18) finalist. Host Heather Kelly focuses on how to find financial peace by better allocating your paychecks and analyzing the impact of simple family decisions. Episodes approach the topic of personal finance from 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: 2017
May 24, 2017

Living paycheck-to-paycheck makes it very hard to put away $1000 for an emergency fund.  But, The Penny Hoarder editor, Justin Cupler, has a month by month plan to do just that.

Start by opening a savings account which puts money in your account.  Then, sell items you don't need or use in your house.  You can also get the internet to work for you on purchases you already make.

Become a mystery shopper and someone who fills out surveys.  It takes a little bit of extra time and effort each month; but, all these activities will get you to your goal at the end of one year.


May 17, 2017

The co-founder of Altra Running explains how baking shoes in a toaster oven led to a 25-million dollar company.  Jeremy Howlett and his cousin, Golden Harper, became world-wide entrepreneurs by being passionate about their idea and using social media to connect with seed investors and capital venturists.

Howlett explains the different ways to find financial backing for your great idea, and why you shouldn't give up when you've been turned down by some of the biggest names in the industry.  

Altra Running is not resting on their laurels, they continue to be on the cutting edge by combining smart technology into their shoes.  You need to keep the creative juices flowing if you want to continue to grow your business.



May 10, 2017

If you're looking to collect more interest than your average CD or IRA stock portfolio, peer-to-peer lending may be for you.  Investor Ruben Schoenfeld discusses how programs such as Prosper and Lending Club can yield income with as little as $25 investment.

And if you need a loan but can't get one through a bank, this may be the place for you to try.  Multiple people chip in small amounts of money to fund the loan amount you need.  But, this is NOT a Go-Fund-Me account.  You still have to pay back the loan.

Find out the different risk levels, how much, or little, money you can make by investing in people. So whether you need a loan for home improvements, debt consolidation, baby or adoption loans, these programs could work for you.



May 3, 2017

Mind & Body Alchemist, Jacqueline Morasco, joins host Heather Kelly to discuss saving big bucks by making your own cleaning supplies.  Not only can you pinch pennies, but you can save your health, which saves more money in the long run.

Learn which cleaning supplies are the most harmful to your health by downloading the FREE App - Healthy Living.  And find out how cheap it can be for a 2-year supply of home-made cleaning ingredient.  Jacqueline walks us through a few recipes and you can find more info on her website at  and on Etsy.



Apr 26, 2017

Interest rates are rising, so many people are looking at buying a home now or refinancing.  But, what about paying off your mortgage faster than 30-years?  Associate Lending Associate of Guild Mortgage, Cari Kimball Meabon, disussing when you should invest your money in your house and when you shouldn't.

We also cover tax implications and what happens to your credit rating when you pay off your mortgage sooner rather than later. And, re-amortization (also known as re-casting) may be a cheaper way to lower your monthly mortgage payments.

Getting help from a CPA, loan officer, or financial specialist can help you determine if you should throw all your extra money toward monthly payments, retirement, or other needed expenses.

Apr 19, 2017

Phone scams and internet phishing are how most con-artists get money these days.  Former check fraudster, Frank Abagnale, famously played by Leonardo DiCaprio in "Catch Me if You Can," gives tips on how to spot the scheme.

His first career was pretending to be an airline pilot, a doctor, and a lawyer and he cashed fake checks for his income.  After several years in Federal Prison, he was asked by the FBI to use his experience to catch other con-artists.  And now he works closely with AARP Fraud Watch Network to teach the public what to look out for when the phone rings and when you get an e-mail asking for information.

Don't get taken... and 'catch' this episode of Money Making Sense.

Apr 19, 2017

Frank Abagnale, famously played by Leonardo DiCaprio in "Catch Me if You Can" discusses his exploits between 16 and 21 years of age as one of the most prevalent check cashing fraudsters in the world.  He also managed to pull-off pretending to be an airline pilot, a doctor and a lawyer.  

He now uses his skills to teach banks, businesses and everyday people how to spot a faker.  Who is most likely to be scammed in this day and age?  Does Frank say it's easier or harder with today's technology to pull the wool over people's eyes?  

Mr. Abagnale has teamed up with AARP Fraud Watch Network to give free presentations to the public.

Here more from this 3-part episode of Money Making Sense.


Apr 19, 2017

Best known from the book and movie of the same title "Catch Me If You Can," former con-artist Frank Abagnale, famously played by Leonardo DiCaprio, joins host Heather Kelly to discuss what to look out for in this day and age.

How factual was the movie when portraying Frank's impersonations of a pilot, a doctor, a lawyer and check cashing schemes? And how did he go from thief to FBI advisor to the AARP Fraud Watch Network?

We find out in this episode of Money Making Sense.

Apr 18, 2017

Hang up the phone!  That's the advice from IRS Assistant Special Agent in Charge, Mike Brock.  If someone calls you on the phone and the caller ID says U.S. Government or the IRS, chances are it's a scammer.  Find out what the really does if you owe money.

How do you know if your tax preparer is legit?  Susan Speirs of has great advice on making sure the accountant you pick won't try to skim money off the top or take a percentage of your refund.  Did you know you are liable for your tax return, even if you did NOT prepare it?

Know the top 3-red flags of IRS scammers and reduce your chances of identity theft.

Apr 12, 2017

Do you wake up every morning surrounded by piles of stuff?  The owner of First Security Financial, Trent Dransfield, can help you bring energy and money into your life by getting rid of items in your home. 

Do you have vintage board games, old smart phones, or even chargers?  They can make you quite of bit of money if you part with them.  And you could discover you have more than one of the same item, like hats, shoes, or office supplies.  Plus, you may find things you didn't even know you owned when you de-clutter.

And how does de-cluttering get you a better price on the home you want to sell and save you money when you move?  Find out on this episode of Money Making Sense with Heather Kelly.

Apr 5, 2017

It's no secret the cost of medication keeps rising.  And it's affecting those people who need it the most.  The Outreach Program Director, Peter Hebertson, and the Medicaire Options Coordinator, McKenzie Scott, for Salt Lake County Aging & Adult Services joins host Heather Kelly to discuss this growing problem.

If you are in the United States on a fixed income, lower income, or struggling to pay for needed prescriptions and health care, you can go to to find the help closest to you.  Aging & Adult service coordinators across the country are trained to find the best cost savings whether your on Medicare, Medicaid, SHIP or no insurance at all.  

You can also call 385-468-3200 for general information.  And there are programs worldwide designed to help people who need assistance paying for life-saving medications and health care.




Mar 31, 2017

Managing partner of WSRP, LLC accounting firm in Utah, Jerry Bregg, joins host Heather Kelly to discuss last minute prep before the tax filing deadline.  Are you getting all the deductions and credits you can?  

Do you have all your W-2s, 1099s, 1098s in place?  Have you been putting off filing your taxes because you may owe money?  You can postpone filing BUT you have to pay your taxes on-time.  How does that work?

And Americans who live out-of-the-country still have to pay taxes even if the company they work for isn't based in the United States.  Tune into this episode find out what you need to know.

Mar 29, 2017

70-years ago, the first issue of Kiplinger's Personal Finance Magazine welcomed Republicans back to the White House, a bullish Wall Street, and a change in interest rates.... sound familiar? Kiplinger's editor Janet Bodnar joins us on this episode of Money Making Sense to find out if what's old is new again.

In this episode discover:

  • How contributing in a 529 State College Plan can save you money and fund a college education.
  • Is investing in the stock market investing in the U.S. Economy?
  • When is it good to take risks and when do you want to be conservative?
  • Should you buy a new or used car?
  • How to live below your means to build your wealth.

Money Making Sense is hosted by KSL NewsRadio's Heather Kelly. KSL NewsRadio is part of Bonneville Media and based in Salt Lake City, Utah.

Mar 22, 2017

Financial guru Gary Gygi of Gygi Capital Management discusses financial responsibility after getting out of college.  People with certain degrees are more apt to buy very expensive cars, and other people or more apt to take on excessive credit card debt and not pay it back.

Find out why people with MBA's have the most debt, more than undergrads and PhD's.  How should you 'live your truth?'  AND how choosing a college can start you off on the right foot financially.

Mar 15, 2017

What is PTO and are you getting the most out of this work benefit?  Are you providing a competitive vacation package to your employees for your industry standards?  The Utah President of the Employers Council,, Monica Whalen has the data from a new survey about Paid Time Off policies across the Intermountain West.

Do all full-time employees get the same amount of flexibility when in negotiations for a new job?  Can you swap out extra days off for increased salary.... and should you?  Does having unlimited time off at a job really give you peace of mind?  

And what about part-time employees... what type of benefits can they expect in the workforce? And what are the top 3-things employees are looking for from their employer.

Mar 10, 2017

VIDEO -DIY Network host Jason Cameron joins Heather Kelly for a realistic discussion of what you can reasonably do yourself when it comes to do-it-yourself home improvement projects, and what kinds of renovation work truly require a contractor.

Does it make sense to spend the money on a professional job every time? When and where can you save some cash by taking on a project on your own?

Mar 8, 2017

The latest gender study shows girls feel they are not as smart as boys in math by the time they are 6-years of age.  But, how does this affect the choices women make when going to college and their careers?  And, what if a boy wants to go into a stereo-typical nurturing field like nursing?  How are they treated by society?

Associate professor of sociology from Westminster College, Dr. Kristjane Nordmeyer discusses these issues with host Heather Kelly.  Is it a self-choice not to go into the STEM areas of education?  Are institutions not welcoming to women or are parents not supportive when boys or girls go into a field dominated by the opposite sex?

Mar 1, 2017

Is time or money the deciding factor in how you get to/from an airport?  Maybe both hold equal sway.  Director of, Brian Karimzad, details if the train, Uber/Lyft, or taxi will save you time and/or money in various cities. 

To find out if the airport you're heading to has the best or worst transportation check out this article:  Salt Lake City was ranked 8th best in the U.S. for light rail transportation the the airport.

Best advice is to research your options before you go and know if you prefer to save money, time or both.

Feb 22, 2017

Are you planning a trip or just going out to dinner at a local restaurant?  KSL News Radio reporter Mark Jackson has the skinny on Apps that will save you money.

Do you need a hotel room for a last minute business trip, spring fling or just to get out of town?  HotelTonight will present you with a good deal... but you need to know when to book.  How about a concert, play or sporting event?  SeatGeek will get you great prices at almost any arena, large or small.  Or do you struggle to figure out how much tip to leave your server?  What if you're in a large group and need to split the bill?  TipCalculator can help.

And for all your shopping needs Flipp can help you find the best deals close to your location on groceries, clothing, and even fast food.

Feb 15, 2017

The most important thing to know before meeting a sales person is: 'What's the goal?'  Do you want the phone to ring, on-line website traffic, or people physically walking in your door.

Not sure where to advertise?  Should you advertise?  Can you really drive sales to your business?  These questions and more are discussed with KSL Account Manager Ryan Uffens.  

What questions should you ask a sales rep who wants to take your money?  What return on investment should you expect when paying out to bring people to your door?  And how much money does it cost for on-line advertising?


Feb 8, 2017

Winter weather has taken a toll on drivers, state troopers and road crews.  Find out how your tax dollars are impacted when Utah Highway Patrol Sergeant Todd Royce sits down with host Heather Kelly.

They discuss how bad behavior impacts the amount of crashes seen when people drive too fast for the road conditions.  Car repairs, medical bills, and loss of work productivity all effect your pocket book.

And don't forget about the costs of paying police and snowplow drivers overtime.  They get paid by the public and next year your tax rate could increase to pay depleted government funds.


Feb 6, 2017

Did you come into an inheritance this past year?  It could be completely tax free.  Or, you may owe some fees.  Brandon Allfrey, a member of the Utah Association of Certified Public Accountants, has the info you need to help itemize your deductions.

Do you have to pay for a cell phone bill that you use for work?  You might be able to deduct the expenses.  Have you moved for a new job?  Find out why a CPA can help you get the biggest tax liability reduction or tax refund.

Feb 6, 2017

Is my tuition tax deductible?  Can I claim my child as a dependent while they are in college?  CPA Mike Criddle from the Utah Association of Certified Public Accountants answers some of the questions you may have about paying taxes on a student loan your child has, but you co-signed.  Find out more on this episode.

Feb 6, 2017

Is my tuition tax deductible?  Can I claim my child as a dependent while they are in college?  CPA Mike Criddle from the Utah Association of Certified Public Accountants answers some of the questions you may have about paying taxes on a student loan your child has, but you co-signed.  Find out more on this episode.

Feb 6, 2017

The IRS will not call you.  PERIOD.  If you get a phone call from someone demanding immediate payment for taxes, hang up the phone.  CPA Garrett Koerner of the Utah Association of Certified Public Accountants walks us through the various ways scammers try to take your money.  He also explains how to protect yourself from getting that phone call.  But, there are other scams out there as well.  This show will help you identify the scams and find out how a CPA can protect you.

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