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: 2016
Dec 28, 2016

You know him from television and movies, but actor Richard Hatch -- Apollo from original Battlestar Galactica, and Tom Zarek in the re-imagined B.G. series -- has so much more to teach than acting.  How he dealt with, and thought about, money in his personal life led him to start lecturing around the world on finding inner peace and strength to deal with any problems which come your way.

When not working as an actor/producer Richard thrived on addressing life and career issues to help empower and inspire people to find their own path to success. I am honored Richard gave his last in-depth interview to me just weeks before he passed away.  RIP: 05/21/45 - 02/07/17


Dec 21, 2016

It's time to think about taxes!  And that includes  finding a way not to pay so much on April 15.  Tax planner & strategist Steven Floyd  has advice on how business owners and individuals can reduce the bottom line of their Adjusted Gross Income.


Dec 16, 2016

Two Utah college teams are heading to football Bowl Games... fairly close to home.  Alex Kirry, host of Cougar Sports Saturday breaks down the games, cost of tickets, parking and hotel rooms if you want to take a road trip over the holidays. 

University of Utah plays the Indian Hoosiers on December 28th in the Foster Farms Bowl in San Francisco.  And BYU takes on bitter rival the Wyoming Cowboys on December 21st in San Diego at the Poinsettia Bowl.

We also discuss the Utah Jazz, NBA, Nascar and touch on the NFL.  If you love sports, this is the show for you.

Dec 14, 2016

 Many people think they have to get a second or third job to earn extra money; but, it could be as simple as selling old clothes, changing the deductions on your W-2's, or cashing in old gift cards.  Or maybe you want to be on a 'mock' jury  

On-line editor of, Bob Niedt, says there are so many ways, some unusual, to get extra cash when you need or want it.



Dec 7, 2016

Host Heather Kelly gives a recap of some of her past shows.  What came as a surprise, what were her favorite shows, and what is coming up in the future.  

Tune in to hear more about teaching kids about money & going cash only with Don Milne, and how your fights with loved one over money are because you are S.T.A.R.V.E.D (not enough Safety, Trust, Appreciation, Respect, Validation, Encouragement, Dedication) with Dr. Matt Townsend.  Along with pet care, traveling expenses, and trying to explain Wall Street with Fox Business Anchor Adam Shapiro.

Then go to: iTunes  to find all the episodes.

OR  for shows of Cents & Cents-Ability on KSL News Radio.

Nov 30, 2016

What happens when your mother breaks her hip, what if a parent has alzheimer's disease?  Is it better for elderly to be in a nursing home, assisted living, or keep them at home?  

And, find out the Number One thing you can do to extend your ability to live at home as you age.  If you don't know what to do when you, or your parents, health start failing, this is the show for you with Outreach Manager for Salt Lake County Aging & Adult Services, Peter Hebertson.  

Find out where to get help.  385 - 468 - 3200


Nov 23, 2016

  Director of the Department of Economic Development for Salt Lake City, Lara Fritts, talks about putting money back into your community during the busiest shopping time of the year.  

Buying just 10-percent of your purchases from local shop-keepers can add more than 1-billion dollars a year to your own neighborhood.   

Need a book, plumbing supplies, or gardening equipment?  Think about putting your dollars toward a local business down the street.  Want to see your investment pay off in your community?  Buy from someone who lives in the same place you do.

Nov 16, 2016

This is the show you need to navigate your way through Black Friday.  Whether you stay at home or stand in line, shopper extraordinaire Holly Barraclough will show you how to find the best deals.  

And, for those people who are annoyed at the commercialization of the day for giving thanks, we'll tell you which stores will be closed on Thanksgiving so you can appreciate them at a later time.  

So find out if REI, Walmart, Costco, Nordstrom, Target is where you want to be in person or buying from on-line on Black Friday or Cyber Monday.


Nov 9, 2016

 What happens if your flight is delayed or canceled by weather or a mechanical problem... will the airline reimburse you?  

Senior reporter with Kiplinger Finance Magazine  Ryan Ermey says apps like Trippit and Square Mouth can help you get ahead of everyone if you run into problems at the airport. Should you buy flight insurance?

And, what can your credit card do for you when you travel?  How to avoid taking off your shoes at security checkpoint?

Nov 4, 2016

That is the question Cid Seidelman, Distiguished Service Professor of Economics at Westminster College, discusses.  

So, what is Brexit, why should I care, and how did it bring down a sitting Prime Minister? Cid explains the economic problems for Britain by being part of the European Union and deciding to leave it.  

We also discuss why what happens across the pond matters to us in the United States.

Nov 2, 2016

 You can record some things 'on the cheap' without a studio; but, if you want to be a professional, it could cost thousands of dollars.  KSL News Anchor and voice over artist, Simone Seikely discusses what it takes to get started doing voice work.   

Find out what equipment you need, voice lessons, and do you need an agent.  Voice work can earn you extra gas money with a cell phone or pay all your bills with a high quality cell phone and professional computer software.


Oct 26, 2016

Jeff Johnson cast all three 'High School Musical' movies, 'The World's Fastest Indian' and many others.  He joins host Heather Kelly to discuss what's involved getting a part in the movies in Utah.  

Head shots, acting classes, agency fees -- it all adds up.  And how do you know if a Talent Agency is legit?  Can you earn a living acting in Utah vs Hollywood?  Will my child be the next Meryl Streep?

Oct 19, 2016

 How do you stop the adrenaline flowing when one person spends too much money and the other won't spend anything at all?  Relationship expert Dr Matt Townsend explains how people can talk about money without fleeing or fighting.  

Do you have Safety, Trust, Appreciation, Respect, Validation, Encouragement, and Dedication in your relationship?  If not, the fights over money will escalate.  AND, discover why your arguments aren't actually about the money.


Oct 12, 2016

Are you a spender and your partner is a saver?  Are all your fights about how to spend or save money? Clinical Psychologist Dr. Valerie Hale discusses how to keep from getting to the divorce stage of a relationship because of money problems.  

Dr. Hale also gives parents tips on how to start the conversation of money with kids, and make it fun.  It's  much less intimidating to create a game and learn how to spend, save, and give to charities when children are involved.

At what stage in the dating game should you bring up how you deal with money with a potential mate?  All these questions and more covered in this show.

Oct 5, 2016

Bargain shopper Holly Bearclough has everything you need to know about where to get great looking clothes and not break the bank.  She knows where to find a brand new blazer for $20.  And, you can make money selling your old clothes to use for a spending fund  Look for stores going out of business, use coupons and mobile apps  And if you have no budget at all, try clothing swaps.


Sep 30, 2016

We are talking college football from University of Utah & BYU; basketball - Utah JAZZ, and soccer in Utah with host of KSL News Radio's Cougar Sports Saturday, Alex Kirry.  Alex also has visited games at University of Texas, Dallas Cowboys & Seattle Seahawks.  How much do tickets costs?  Will you save money as a season ticket holder?  What if your favorite team makes it to a playoff or bowl game?  And don't forget about the best part... tail gating.


Sep 28, 2016

Host Heather Kelly talks recreation with Tim Hughes, host of KSL Outdoors Radio.  They discuss the many activities you can enjoy in the fresh air throughout the state of Utah.

If it's your first time exploring camping, fishing, hiking, biking, 4-wheeling, skiing, etc, you'll want to find out the less expensive options to getting out there.  But, you can shell out lots of money if you go 'whole hog.'


Sep 21, 2016

If Wall Street confuses you, this is the show to pay attention to.  Host Heather Kelly sits down with Fox Business Anchor Adam Shapiro to make sense of how Wall Street affects your money.  

They discus what happened to the Gold Standard and if it's good or bad the U.S. Dollar is no longer tied to silver and gold.  Then they cover whether you should panic every time the Federal Reserve makes an announcement abaout interest rates.  And find out whom Adam follows as his financial guru.


Sep 14, 2016

You will know if you're child is inclined to be a saver or a spender by the age of 7.... and you don't have to give them money to find out.  Financial Literacy Manager of Zion's Bank, Don Milne, gives advice on how to talk to your kids about money.  And it can be fun.  

The age to start the conversation with your kids may surprise you.  Don and host Heather Kelly discuss giving children the skills they need as adults to save, spend wisely and give.


Sep 7, 2016

Keeping your car in tip-top shape can save hundreds of dollars each year.  Triple A spokesperson Rolayne Fairclough joins host Heather Kelly to discuss great tips on saving money.

  Just because you're spending money on a trip, doesn't mean you have to be fleeced; why planning meals and hotel stops ahead of time saves money.  And what to do if your car breaks down in the middle of no-where.


Aug 31, 2016

Costumes, Sci-Fi, and Celebrities .... oh my!  Deseret News Reporter McKenzie Romero joins host Heather Kelly to discuss the Salt Lake Comic Con.

 If you spent a fortune in the past on gettin into the sci-fi spirit, learn how to spend less for next year's event.  And hear how the SLC Fanboys get through their favorite geek event of the year.

Planning ahead and buying tickets early will save you when you want a 'close encounter' with your favorite comic character.



Aug 24, 2016

Staying healthy may cost you some money.  Dr. Taylor Krick joins host Heather Kelly to discuss how to save money in health care expenses with proper education, nutrition and exercise.  You may still have to open your pocket book, but it won't be as much as going to a doctor's office trying to recover from illness or injury.

Aug 17, 2016

As your pets eat you out of house home, they could also cost a fortune in vet bills.  Dr. Susan McDonald, Veterinarian with Holladay Veterinary Hospital talks about the costs associated with owning a pet; from office visits and vaccines to treating cancer.  

She'll also discuss whether pet insurance is a scam or a necessity and where are safe places to find a new pet.  And what about the price of that pet-food? 

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.

Be sure to email Heather your questions and request topics you'd like her to cover here.



Aug 10, 2016

How do you know what investments ar best for you?  When should you be aggressive and when should you be more reserved when allocating your income toward retirement savings?  Financial advisor Larry Gray joins host Heather Kelly to discuss the issues surrounding saving for retirement.

 Does your financial advisor have your best interest at heart? And are reverse mortgages a scam?  Tune in to find out if you are ready to retire, or if you are behind the 8-ball with your investments. 

Aug 3, 2016

What FICO score do you need to get a lower interest rate on your mortgage?  How quickly can you raise your credit rating?  Senior Mortgage Specialist Cari Kimball Meabon with Guild Mortgage explains in understandable terms what you need in order to qualify for mortgage.  

She'll reveal tips on how to increase your credit rating and why that's important.  And a few other mortgage tidbits along the way.  Do you need to open 10-lines of credit to build your FICO score?  And what is a FICO score anyway?


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