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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: 2018
Jul 11, 2018

The United States is losing billions of dollars each year by not collecting sales tax.  Tax attorney Steve Young of Holland and Hart explains why sales tax was originally instituted and why states need it.

Steve also talks about efforts to raise sales tax on services such as car repairs, health care and hair dressers.  If a state doesn't have enough money coming in from sales taxes, how do they pay for things they need to run it?

**Since this show was recorded, The Supreme Court ruled States have the right to collect sales tax from any business which ships items into their jurisdiction.  This overturns previous Court decisions which ruled taxing across state lines is unconstitutional.

You can follow this show on Twitter @MoneyMakingSens and on Facebook.  And to see what Heather does when she's not talking money, go to her personal Twitter page.

Jul 4, 2018

Host Heather Kelly sits down with veterinary technician and backyard chicken enthusiast, Heather Boyce to discuss eggs.

What she believes is the number one cause of the spread of salmonella and why what the FDA requires large egg producers do to sell them is illegal in much of Europe.

The two Heathers also talk about the cost of raising your own chickens and is it cheaper than buying eggs from the grocery store? 

Jun 29, 2018

In Part 3 of my conversation with Utah Transit Authority spokesperson Carl Arky we discuss when it's better for individuals to drive than take a train or bus. 

Does pollution and bad weather driving conditions weigh more heavily on people than the costs when deciding to take public transportation or not?  Find out what Carl's prediction is for the future.

You can follow the show on Twitter @MoneyMakingSens and on Facebook.  And to see what Heather does when she's not talking money, go to her personal Twitter page.

Jun 28, 2018

In Part 2 of my conversation, Carl Arky, the Utah Transit Authority spokesperson, explains why you have to pay round trip, even if you use the train to grab groceries and go back home. How much does public transportation cost?  Is there a discount pass?

You can follow the show on Twitter @MoneyMakingSens and on Facebook.  And to see what Heather does when she's not talking money, go to her personal Twitter page.

Jun 27, 2018

Do you WANT to use public transportation but trains or buses don't run when you need them to?  Utah Transit Authority spokesperson Carl Arky talks about the costs involved in expanding coverage.

We also talk about changes happening at UTA, if that might reduce costs for people using public transportation and how tax payer dollars affect scheduling.

You can follow the show on Twitter @MoneyMakingSens and on Facebook.  And to see what Heather does when she's not talking money, go to her personal Twitter page.

 

Jun 22, 2018

How do employers get their employees to be more engaged in their jobs?  Rick Beal, Business Manager for Cubes Self Storage has the answer.  

Find out how Rick helped his workers open checking accounts, taught them how to delegate and how the effectiveness of his business improved leaps and bounds as his employees' personal lives improved at the same time.

You can follow this show on Twitter @MoneyMakingSens and on Facebook.  And to see what Heather does when she's not talking money, go to her personal Twitter page.

Jun 21, 2018

In part two of my discussion with Rick Beal, the Business Manager of Cubes Self Storage explains how getting rid of the structured bonuses at his company helped his employees improve their life skills.  It not only helped them get better paying jobs, it improved on his bottom line.

You can follow this show on Twitter @MoneyMakingSens and on Facebook.  And to see what Heather does when she's not talking money, go to her personal Twitter page.

 

Jun 20, 2018

Do you have good employees, but they lack life skills?  Business Manager of Cubes Self Storage, Rick Beal, has the formula to improve an employee's self worth and increase your bottom line by 2.5%.  But it took some trial and error.

You can follow this show on Twitter @MoneyMakingSens and on Facebook.  And to see what Heather does when she's not talking money, go to her personal Twitter page.

Jun 13, 2018

Younger generations are much more likely to share how much money they make.  Is that a good thing or bad?  Student Loan Hero writer, Ben Luthi, has the pros and cons of openly talking about money in the workplace.

Does knowing how much your co-worker earns create jealousy?  Can it eliminate the pay gap between men and women and minorities?

You can follow the show on Twitter @MoneyMakingSens and on Facebook.  And to see what Heather does when she's not talking money, go to her personal Twitter page.

Jun 6, 2018

The co-owner and business manager of Cubes Self Storage, Rick Beal, explains how he is getting more work done, and how it's helping staff members get along better with each other.

Find out why health workers, religious leaders and employers are asking people to put down their smart phones and start engaging with one another in person, not digitally.

You can follow this show on Twitter @MoneyMakingSens and on Facebook.  And to see what Heather does when she's not talking money, go to her personal Twitter page.

 

May 30, 2018

Human trafficking brings in $150 Billion dollar world-wide.  With 600,000 to 800,000 children and adults brought illegally to the United States each year

Heather Kelly interviews Founder and CEO of Operation Underground Railroad, Tim Ballard and actor Jim Caviezel, best know for "Passion of the Christ" and "The Count of Monte Cristo" about the documentary "Operation Toussaint."  The film shows the efforts of Ballard, O.U.R members and law-enforcement in Haiti trying to get child sex slaves out of their situation.

Mr. Caviezel is also slated to portray Tim Ballard's efforts to organize Operation Underground Railroad.  The film called 'Sound of Freedom' will begin filming on June 11, 2018 in Columbia.

 

May 23, 2018

Author and inspirational speaker Anthony Oneal joins host Heather Kelly to talk about being homeless at 19, getting out of debt and going cash only.

Anthony's life experiences led him to write the book "5 Mistakes You Can't Afford to Make in College" and to produce the "Teen Entrepreneur Toolbox."  They have great information for teens and young adults to help stay out of debt and off the streets.

You can follow this show on Twitter @MoneyMakingSens and on Facebook.  And to see what Heather does when she's not talking money, go to her personal Twitter page.

 

 

May 17, 2018

Knowing where to start a budget can be a head-scratcher.  Should you use an app?  Which app is best?  Or should you use the old standby pen and paper?  

Ben Luthi of Student Loan Hero has details on apps, spreadsheets and websites which can help you allocate your expenses and know where your paycheck is going.

Ben also talks about being a credit card churner.  Can it help with your credit card debt?  Or should you even try it?

 

May 9, 2018

The 26th annual Stamp Out Hunger Food Drive is Saturday, May 12th.  It's a nationwide event.  Utah Food Bank President and CEO, Ginette Bott explains how you can help feed those who don't know where their next meal is coming from. 

The Utah Food Bank helps 'fight hunger statewide.'  More than 392,000 people miss at least one meal a day in Utah alone.  And they aren't homeless.  Many families have to choose between paying to have a roof over their heads or paying for food.

You can follow the show on Twitter @MoneyMakingSens and on Facebook.  And to see what Heather does when she's not talking money, go to her personal Twitter page.

May 9, 2018

The President and CEO of the Utah Food Bank says many children will not have any food at all when they are out of school during the summer vacation.  Ginette Bott explains many Utah children receive 2-meals a day from their school, but go without a third meal at home.

Utah Food Bank supplies deplete faster during the summer than any other time of the year.  And, food banks aren't allowed to receive left-over food from restaurants.  Find out what other items you should not donate.

For more information on how to donate food, money or your time to those in need, click on this link.

You can follow the show on Twitter @MoneyMakingSens and on Facebook.  And to see what Heather does when she's not talking money, go to her personal Twitter page.

 

May 9, 2018

More than 392,000 Utahns go without at least one meal a day.  Where can you get food if you don't know where you're next meal is coming from?  In Part 1 of my conversation with President and CEO of Utah's Food Bank, Ginette Bott gives information on why people are going hungry and where to get food.

For more information on how to donate food, money or your time to those in need, click on this link.

You can follow the show on Twitter @MoneyMakingSens and on Facebook.  And to see what Heather does when she's not talking money, go to her personal Twitter page.

 

 

 

May 2, 2018

How can you save for retirement when you can barely afford rent and food?  Certified Financial Planner Kevin Bauer from BCJ Financial Group has some tips.

And, what if you need to borrow from your 401k, but are below the retirement age requirement for taking money out of the account.  Kevin explains how you can borrow the money and pay yourself back.

And anyone wanting help with their will or estate planning but can't afford the regular fee for an attorney, this website can help.  bcjwealthfocus.com

You can follow Money Making Sense on Twitter and on Facebook.  And to see what Heather does when she's not talking money, go to her personal Twitter page.

 

Apr 28, 2018

If you haven't changed your W-4 for a few years, you'll want to do it for 2018.  The new tax code could hugely affect how your deductions are calculated.  

Certified Public Accountant Jay Niederhauser has three of the top reasons why it's important to get your W-4 up to date.

You can follow the show on Twitter @MoneyMakingSens and on Facebook.  And to see what Heather does when she's not talking money, go to her personal Twitter page.

 

Apr 25, 2018

What is the difference between 'Fee Only' and 'Fee Based' investment brokers, and which one is right for me.  Certified Financial Planner Benjamin Brandt explains the differences.  It's very important to know this info as one of the two may not make the best decisions for you and your pocketbook.

And, if you can't afford the fees for ongoing financial planning, Benjamin find out why he says XY Planning Network may work for you. 

You can follow this show on Twitter @MoneyMakingSens and on Facebook.  And to see what Heather does when she's not talking money, go to her personal Twitter page.

Apr 18, 2018

Thought you needed hundreds of thousands of dollars to get into the real estate business?  Guest Billy Holden explains how to get properties for pennies on the dollars.

Billy and host Heather Kelly then talk about how to get the best deals to furnish your property.  Whether you are buying for yourself, or trying to fill lots of houses, this show has great tips.

And find out how Billy bought $1000 dollars worth of merchandise for less than 4-cents.  YES!  4-CENTS.

You can follow the show on Twitter @MoneyMakingSens and on Facebook.  And to see what Heather does when she's not talking money, go to her personal Twitter page.

 

Apr 10, 2018

April 10th is National Equal Pay Day.  The day each year, historically, it takes women to receive the same amount of pay as their male counterparts make in a calendar year.  The average pay a woman takes home is 82-percent of a man's wages.  In Utah, women only make 70-percent for every dollar a man does.

Kevin Bauer of BCJ Financial, has 3-tips women should do to make sure they are set for retirement.  And he discusses with host Heather Kelly why it's important women to make the same amount a man does for the same work.

You can follow the show on Twitter and on Facebook.  And to see what Heather does when she's not talking money, go to her personal Twitter page.

Apr 4, 2018

If you own any type of cryptocurrency, do you have to pay taxes on it?  Tax partner Garrett Koerner of Tanner LLC discusses how the IRS treats Bitcoin, Etherium, Litecoin, etc.  

And how about the Security Exchange Commission?  How do they want to regulate this imaginary form of money?  Host Heather Kelly gets a lesson in how not to get taxed or have the SEC come after her digital currency.

You can follow the show on Twitter @MoneyMakingSens and on Facebook.  And to see what Heather does when she's not talking money, go to her personal Twitter page.

Mar 30, 2018

It's the hottest thing going, but how much do you know about cryptocurrency?  Tax partner Garrett Koerner of Tanner LLC has everything you need to delve into this imaginary form of money, how to get it, and what to do with it once you have it.

Garrett also explains to host Heather Kelly about Blockchain and how owning stock in a Cryptocurrency isn't the same as having it.

You can follow the show on Twitter @MoneyMakingSens and on Facebook.  And to see what Heather does when she's not talking money, go to her personal Twitter page.

Mar 28, 2018

The beauty industry is raking in over 60-billion dollars a year telling men and women they have flaws, and then selling them something to try and fix it.  But, Dr. Lexie Kite of Beauty Redefined says it's your inside, not the outer image that needs to be fixed.  And it will save you money in the long run.

Host Heather Kelly learns how to spot when the media, and society, objectifies women and takes their money on this episode of Money Making Sense.

 

 

Mar 23, 2018

In part 2 of 'The Cost of Beauty,' host Heather Kelly talks to Dr. Lexie Kite of Beauty Redefined about all the billboards telling women they have baggy eyelids, hair loss is bad, and liposuction is a must.  It's a 60-billion dollar a year industry and it's objectifying women and men.

Find out how being 'more than a body' can change your life and help your pocket-book on this episode of Money Making Sense.  

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