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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Oct 26, 2017

In a bonus episode about diversity with Dr. Marco Barker, the Associate Vice President and Chief Diversity officer at Westminster College, we find out how staffing a bomb shelter is related to how we choose to interact with and hire at work.

Dr. Barker explains how the 'Four Frames' of business (Symbolic, Structural, Human Resources, and Political) affect whom we hire.  And, if you understand these four frames, you can change how you perceive those whom are different from ourselves.



Oct 25, 2017

Not having diversity in the workplace can affect your bottom line.  Are you hearing from the voice you are selling to?  The Chief Diversity Officer and Associate Vice President at Westminster College, Dr. Marco Barker, explains how to rethink the homogeneous company in favor of different colors, religions, sexes, and disabilities.

But, we also discuss the importance of having individuals from various backgrounds to interact with on a personal level.  How does the  Christian man working in a mainly all white, male workforce benefit from having women, Muslims, and/or Veterans as his co-workers.  Find out in this episode of Money Making Sense.

Oct 18, 2017

The owner of The Artist Evolution marketing agency says 'Don't buy a duck' to succeed in business.  CEO Derek Champagne takes us through the steps to brand your business.

Whether you sell candles out of your basement or are a multi-million dollar company, these tips will help you launch your product to the right demographic.  And execute a marketing plan.

And if you can't get to Derek in person, his book 'Don't Buy a Duck' will help you save money as you become an entrepreneur.

You can also get an entire course of marketing materials, some for free, at  So, if you aren't afraid to fail, or to succeed, and are ready to make the leap as a business owner, this is the episode for you.

Oct 4, 2017

This week we revisit the subject of DIY versus hiring a contractor.  The host of DIY Network's 'Man Caves,' Jason Cameron, joins Heather Kelly to discuss when hiring a professional is actually cheaper than doing it yourself.  

(The picture on this episode cover will explain a lot).

Find out the best way to learn how to tile, what R-value means and what type of products you can use if you are worried about off-gassing.

Hopefully you get inspired to try some projects on your own.  But, also get a sense of when it will save you money to hire a professional.


Sep 27, 2017

Do you know how to get through unexpected life-events?  Deseret News Business Reporter Jasen Lee joins host Heather Kelly for a talk about how even the best savers can face money problems.

Jasen says learning at a young age, when you get your first job, to save a portion of you paycheck is the best way to form good financial habits.  And find out what he says was the best advice he ever got.

Jasen is a fellow podcaster of the show 'Voices of Reason.'  You can listen to his show with co-host Amy Donaldson here:

And read his business articles at

Sep 22, 2017

The dark net is where criminals go to conduct illegal activities.  But how does it work?  And should law abiding citizens be concerned about the underbelly of the internet?

Host Heather Kelly goes in-depth with guest the Director of Information Security Services at Tanner, LLC, John Pohlman, to get some answers.

Find out why crypto-currencies are the commodity of choice for website criminals, why companies never say they are 'hack proof' and if your nanny cam is at risk from hackers.

Sep 20, 2017

Host Heather Kelly asks listeners 'What's your problem?'  If you are dealing with an issue with which you need help, or don't know where to look, send her a message on Facebook.

If she doesn't know the answer from her experiences as a Hospital Director or with her degree in Management and as a Certified Bookkeeper, she'll find the expert to help you.

Subscribe to Money Making Sense via Apple Podcasts and you won't miss the answers to your questions.


Sep 13, 2017

A major credit reporting agency was hacked this year.  And 143-million people could be impacted.  Now is the time to be pro-active and make sure your aren't victim to identity theft.  

Equifax is giving EVERY Consumer access to FREE identity theft protection and credit file monitoring for ONE YEAR.  But, the fine print says they will start charging at the end of that year.  If you sign up for this service, set a reminder on your calendar to cancel at the end of the 1st year.

Utah's Governor is also giving help to those who may be affected by this Equifax hack at  And you can contact the FBI if you know you've been the victim of Identity Theft through their website

You can also send any questions you have to me via my facebook page, and if I can't answer it myself, I will find the right expert who can.

Sep 6, 2017

We have wellness gurus, sports trainers, and dieticians to help us achieve our goals.  Do you need a 'Debt Coach?'Anthony Hernandez, a Debt Analysis specialist, has the info you need to get "Financially Fit."

Knowing how to focus your extra money toward paying off credit cards, auto loans, or any other type of bill is key to becoming debt free.  It's called the Snowball effect, described and used by many financial gurus.

Once your debt is paid off, you need to have skills to start building your wealth or saving towards retirement or becoming a World Champion Ballroom dancer.  It's easy to slide into bad habits and be crushed by debt AGAIN if you don't have the right tools.


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.


Jul 26, 2017

You're getting married and you know exactly what the elaborate reception will look like.  But, you only want to spend $300.  Christine Wannacot - event coordinator, Colleen Hanson - florist, and Chef Brian Richter from Temple Square Hospitality joins host Heather Kelly for a reality check.

How much could flowers, food, and an event hall set you back?  What you pay for the hall but bring in your own food and alcohol.... is it allowed?  And what are some ways to not spend any money at all?

All this is covered in this episode along with tips for brides to make their grooms feel included in the decision making process.  TIP:  narrow down your top 2 or 3 favorite items, then ask the groom to make final decision based on those options.  Also, ask for help from your community.  Maybe they can help find a church, American Legion hall, or have access to a country club.

Jul 19, 2017

The old adage, it's never too late, applies for starting a 529 college savings account.  But, it's also never too early.  Executive Director for Utah Education Savings Plan (UESP) Lynne Ward says as soon as your child is born, you should start putting money away for their advanced schooling.  AND... if you sign up shortly after baby is born... you can get a FREE Onsie.

You also get multiple tax benefits for opening a 529 plan with UESP.  No taxes on the gains IF the money is used for Qualified Higher Education Expenses; which include, housing, computers, books, and tuition.

Kilplinger's, Morningstar Investors Service and Clark Howard all ranked UESP as the top Savings Plan available in the country.  You don't have to be a Utah native to open an account with them.


Jul 12, 2017

Developer Bill Knowlton of Parley's Partners discusses his latest project for low income earners.  Artesian Springs has 278-units available for under $300 a month.... IF you qualify.

And Julie Steele from EMG also gives us information about how living in the modern complex is like.  All on this episode of Money Making Sense.


Jul 7, 2017

Animation legend Ron Campbell joins host Heather Kelly to talk about his work.  You may not know his name but, you know Scooby Doo, The Jetsons, Rugrats, Yogi Bear, and dozens more.  

Ron retired in 2008 after animating the last cartoon in history by hand 'Ed, Edd & Eddy' (animation is now done digitally).  Currently, he tours the country with paintings based on the animated characters he helped create.  His most popular artwork is scenes from The Beatles "Yellow Submarine" movie.

If you loved The Flintstones, The Smurfs, or my favorite, The Beatles Saturday morning cartoon show growing up, you won't want to miss this episode of Money Making Sense.


Jul 5, 2017

A new study from the McKinsey Global Institute found women provide anywhere from two - ten times as much care in the home as men.  This includes child care, aging parent care, and housework.  Dr. Susan Madsen, the director of Utah Women & Leadership Project, discusses how societies in the U.S., Asia, Europe and Middle East  affect the equality gap of labor in the home between the sexes.

What are the factors which keep a majority of women doing a 'second shift' at home, even when they work full-time jobs?  Are parents unconsciously demonstrating to their kids the value of the work boys and girls do from an early age?  If unpaid home care providers were given a salary, both men and women could bring in $49,000 a year on a 40-hour work week.  

Having a disproportionate work load between men and women in the home can have negative consequences on health and future earnings.


Jul 1, 2017

New laws taking place on July 1, 2017 could increase your credit rating.  Host Heather Kelly explains what changes will increase your score and how that will increase your chances for qualifying for a loan or credit card.  

What is the highest credit score you can achieve?  How does a lower rating affect your interest rate?  What type of debt will still affect me?  These questions and more will be answered in this SPECIAL quick episode of Money Making Sense.

Jun 30, 2017

Your younger teenager may not have a job yet, but he/she should definitely have an understanding of saving money in a bank.  Maybe, they are about to get their first summer job, do they know the difference between Social Security and 401k deductions?  Certified Financial Adviser Shane Stewart joins host Heather Kelly and 3-young teens; Katie - 17, Taysia - 15, and Will -14, to discuss a financial quiz they took from an International test given to 15-year olds.

Find out if you know more than a 14-year old by going to the Money Making Sense Facebook Page to see the test given the teens.  And how about your teen?  Could you or they pass this test?

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