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How she started blogging

Michelle Schroeder-Gardner started her personal finance blog Making Sense of Cents in 2011, and barely even knew what a blog was.

“I started my blog as a way to talk about my personal finance situation and my life and as just a hobby, as a diary,” she said. “I didn’t even know blogs could make money.”

She wanted to document what it took pay off $40,000 worth of student loans, which she did in just seven months by hustling side jobs.

Woman makes 100k per month blogging and lives in an RV

C: https://www.makingsenseofcents.com

Now, her blogs rakes in an amazing $100,000 per month from income sources like affiliate links, ads, and courses she designs and sells. Michelle publishes her income reports online to inspire people and create transparency about money.

Currently, Michelle makes over $50,000 per month just with affiliate marketing alone, which is where you insert links into copy and get a small kick-back if someone makes a purchase.

She has an awesome course that I’ve taken and love, called Making Sense of Affiliate Marketing.

Check it out if you want to increase income through affiliate marketing on your blog.

What she thinks about debt

She also is a staunch believer in eliminating debt, and wants to inspire others to do what it takes to be financially free

“A lot of people normalize debt which means if so-and-so has a car payment, a lot of other people assume it’s okay for them to have a car payment, a large home payment, or furniture debt,” she said. “I think that normalizing debt is what’s getting people into a lot of financial trouble. People think they can afford $100 per month, but over the long run it creates more financial problems, delayed retirement or no retirement.”


She said the only good debt is the type you can pay off on a monthly basis.

“It’s something you know you can afford, such as getting credit card rewards points you can use toward a free vacation,” she said. “But its only worth it if you can afford the debt. The average car loan payment is almost $400 per month….the average person doesn’t need that.”

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What her life is like

Michelle and her husband live in a Class A motorhome, and they move around ever few weeks. She loves the freedom associated with traveling full-time, and hopes living way below her means allows her and her husband to retire early.

I love Michelle’s thoughts about living below one’s means and paying off debt, as it seems like that’s the only way to become financially free and feel in control of your money. What Michelle is doing is my dream, and I hope one day to be able to live as she does, with an income that allows me to travel and explore the world.

Check out some photos from Michelle’s Instagram feed below.

Big Sur is such a beautiful place. So glad that we could visit again this year!

A post shared by Michelle Schroeder-Gardner (@michelleschro) on

@wanderingwes took this picture ??. I love #RVlife.

A post shared by Michelle Schroeder-Gardner (@michelleschro) on