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PennyWise is a show about money, personal finance, investing and travel. Hosted by Nat Cardona, the program features a variety of financial experts who can help save you money.
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Creative Minds, Smart Money: Finance & Business Tips for Creatives
Samantha Eck | Bookkeeper for Creatives
Welcome to Creative Minds, Smart Money – the go-to podcast for creative entrepreneurs who want to master their money without losing their artistic spark. Hosted by Samantha Eck, a creative business bookkeeper on a mission to help you thrive, we’re here to tackle the financial side of your business in a way that makes sense for your creative brain. We’ll break down bookkeeping basics and money strategies designed specifically for creatives – from pricing your services with confidence, to mast ...
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Quick ideas, strategies, apps, and more to help you save money and live better. This podcast is designed to give you a quick actionable idea that you can use today to make your money go further and optimize your life. Join Dr. J on his journey to financial independence. Visit our blog for more information and monthly updates of our journey to FI! JLifeCoach.com
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Welcome back to Creative Minds Smart Money! In today’s episode, Samantha dives into a topic that leaves many creative entrepreneurs scratching their heads: quarterly taxes. If the idea of quarterly tax payments makes you feel overwhelmed, you’re not alone—but don’t worry! This episode breaks it all down so you can tackle quarterly taxes with clarit…
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In this insightful episode of PennyWise, host Nat Cardona welcomes NerdWallet's Sarah Rathner to discuss the intriguing findings from the 2024 American Household Credit Card Debt Status Study. As we transition into 2025, Nat and Sarah reflect on the financial landscape of 2024, a year that appeared promising on the surface but felt challenging for …
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Send us a text! If you want us to contact you leave an email we can contact you at! Welcome back to Creative Minds Smart Money! In this episode, Samantha breaks down one of the most important decisions for creative entrepreneurs: Should you structure your business as a sole proprietor or an LLC? z7l4Cu0Zvn90AnkdihDa What You’ll Learn: The key diffe…
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In this informative episode of PennyWise, host Nat Cardona sits down with Chip Lupo, a credit card writer for WalletHub, to explore the vital topic of credit freezes. As the importance of maintaining a good credit score becomes undeniable, Chip offers a comprehensive guide on how to protect your credit and identity through the strategic use of cred…
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Send us a text! If you want us to contact you leave an email we can contact you at! Welcome back to Creative Minds Smart Money! In today’s episode, Samantha dives into the magic of budgeting for creative entrepreneurs. Spoiler alert: budgeting isn’t about cutting out the things you love it’s about giving every dollar a purpose. Budgeting is the roa…
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In this essential episode of PennyWise, host Nat Cardona is joined by NerdWallet expert Elizabeth Ayoola to discuss the upcoming changes to Medicare in 2025. With new developments on the horizon, Elizabeth provides listeners with crucial insights into the evolving landscape of Medicare Part D, including the introduction of an out-of-pocket maximum …
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Send us a text! If you want us to contact you leave an email we can contact you at! In this episode of Creative Minds Smart Money, Samantha Eck dives into the often-overlooked power of saying no in your business. Learn why setting clear boundaries protects your time, energy, and finances, and how saying no to the wrong opportunities makes space for…
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In this motivating episode of Penny Wise, host Nat Cardona is joined by WalletHub finance writer Adam McCann to tackle the age-old tradition of New Year's resolutions with a focus on achieving real financial results in 2025. Adam offers expert advice on setting practical resolutions, specifically around saving money and budgeting, to help listeners…
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Send us a text! If you want us to contact you leave an email we can contact you at! Feeling overwhelmed in your business? It might be time to hire help—but can you afford it? In this episode, Samantha Eck breaks down how to financially prepare for hiring, whether it's a contractor, employee, or assistant. Learn how to evaluate your numbers, create …
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Send us a text! If you want us to contact you leave an email we can contact you at! In this episode, Samantha Eck dives into the recent acquisition of Bench Accounting by Employer.com. Learn what this transition means for Bench users, the risks involved, and the critical questions you need to ask before deciding whether to stay or switch. Samantha …
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In this insightful episode of PennyWise, host Nat Cardona welcomes NerdWallet's personal finance expert Kimberly Palmer to share practical tips on reducing your monthly bills. As holiday expenses mount and budgets tighten, Kimberly provides a step-by-step guide to negotiating lower rates on your internet, cable, and utility bills. Learn the art of …
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Send us a text! If you want us to contact you leave an email we can contact you at! In today’s episode, Samantha tackles the sudden Bench Accounting shutdown that has left many small business owners scrambling to recover their financial data. If you’re feeling overwhelmed, don’t worry—this episode is packed with actionable steps to help you transit…
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Send us a text! If you want us to contact you leave an email we can contact you at! In this episode of Creative Minds Smart Money, Samantha breaks down the critical difference between profit and revenue two terms that often trip up creative entrepreneurs. If you’ve ever wondered why you’re making money but still feel broke, this episode is for you.…
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In this insightful episode of PennyWise, host Nat Cardona is joined by WalletHub editor Milvian Cherry Copeland to delve into the world of gift cards, a popular holiday gift choice. While they are convenient, not every gift card fits the recipient's needs. Milvian shares expert advice on how to make the most of unwanted gift cards, including where …
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Send us a text! If you want us to contact you leave an email we can contact you at! In this episode of Creative Minds Smart Money, Samantha chats with KP and Jesse from Inkpot Creative about how blogging can be a game-changer for creative entrepreneurs. Learn how to use blogging to drive traffic, build trust, and attract your dream clients—all with…
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In this festive episode of PennyWise, host Nat Cardona is joined by NerdWallet travel expert Sally French to explore nine last-minute Christmas vacation destinations across the United States. Whether you're looking to escape the cold or embrace the holiday spirit, Sally's curated list of spectacular getaways has something for everyone. And they're …
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Send us a text! If you want us to contact you leave an email we can contact you at! In this episode of Creative Minds Smart Money, Samantha breaks down how to conduct a year-end financial review for your creative business. Learn the key steps to assess your profits, analyze expenses, and set actionable goals for the new year. Whether it's reviewing…
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In this episode of PennyWise, host Nat Cardona explores the evolving world of cruise dining with travel rewards expert Sally French from NerdWallet. Gone are the days of mundane buffets under heat lamps; cruise lines are now elevating their culinary offerings with renowned chefs and unique dining experiences. Discover the allure of specialty dining…
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Send us a text! If you want us to contact you leave an email we can contact you at! Welcome back to the Creative Minds Smart Money Podcast! Tax season doesn’t have to be overwhelming—this episode breaks down exactly what you need to do to get prepared and stress less. What You’ll Learn: Key reports to pull: profit & loss, balance sheet, and cash fl…
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In this episode of PennyWise, host Nat Cardona is joined by NerdWallet's personal finance writer Elizabeth Ayoola to help you navigate the whirlwind of Cyber Monday shopping. With the holiday season in full swing, it's easy to get swept up in the frenzy of deals and discounts. Elizabeth shares expert tips on how to spend wisely and avoid common pit…
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Send us a text! If you want us to contact you leave an email we can contact you at! In this episode of Creative Minds Smart Money, Samantha chats with Aiza, AKA “The Brand Chef,” about creating bold, personality-packed branding for your offers. Aiza shares how branding can make your offers irresistible and help you stand out in a crowded market. Wh…
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In this episode of PennyWise, host Nat Cardona addresses a common fear among drivers: the dreaded insurance rate increase after a car accident. With expert advice from WalletHub's Milvionne Chery Copeland, listeners will learn practical strategies to avoid overpaying on car insurance following an at-fault accident. Discover the benefits of accident…
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Send us a text! If you want us to contact you leave an email we can contact you at! Welcome back to the Creative Minds Smart Money Podcast! In today’s episode, we’re covering one of the most essential (and often neglected) parts of running a business: how to pay yourself. Join Samantha as she breaks down: The different ways to pay yourself dependin…
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In this episode of PennyWise, host Nat Cardona dives into the world of store credit cards with expert insights from WalletHub editor Christy Mathern. With enticing offers at the checkout counter, store credit cards can seem appealing, but are they truly beneficial? Explore the essential "do's" and "don'ts" of store credit cards, from understanding …
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Send us a text! If you want us to contact you leave an email we can contact you at! Welcome to another episode of the Creative Minds Smart Money Podcast! In this episode, we’re diving into the world of slow months—those times when business feels quieter than usual, and you're wondering how to make the most of it. Spoiler alert: slow months are not …
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Are you a Disney fan, but weary of the prices and endless lines at the theme parks? Or perhaps you have a large family and taking a trip to Orlando, Florida or Anaheim, California isn't in the budget. In this week's episode, host Nat Cardona is joined by NerdWallet's Sally French who has 5 U.S. destinations for Disney fans that aren't Disneyland or…
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Send us a text! If you want us to contact you leave an email we can contact you at! In this episode, Samantha Eck welcomes Celina from Luna Marketing Services, a seasoned marketing professional with over 10 years of experience in social media marketing and co-founder of Luna Marketing Services. Together, they dive deep into the world of social medi…
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Join host Nat Cardona on this episode of PennyWise as she explores the exciting world of pickleball travel with insights from NerdWallet's Sally French. With nearly 14 million players in 2023, pickleball enthusiasts are taking their passion on the road. Discover how cruise lines and resorts are embracing this trend, offering pickleball courts and t…
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Send us a text! If you want us to contact you leave an email we can contact you at! Today on Creative Minds Smart Money, we’re tackling a huge topic for every creative entrepreneur—setting the perfect pricing for your services. 💰 You’ve got skills, you’ve got value, and now it’s time to make sure you’re getting paid what you’re truly worth. We’re b…
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In this episode of PennyWise, host Nat Cardona explores the surprising resurgence of the cruise industry with insights from NerdWallet travel expert Sally French. Despite the pandemic's initial impact, the cruise sector is experiencing a remarkable comeback, drawing travelers back to its unique allure. Recent data shows cruise transactions reaching…
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Send us a text! If you want us to contact you leave an email we can contact you at! In today’s episode of Creative Minds Smart Money, we’re diving into cash flow mastery—the money moves that every creative entrepreneur needs to get a handle on. Whether you're a freelancer, coach, or creative business owner, cash flow can make or break your business…
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In this episode of PennyWise, host Nat Cardona dives into the world of Black Friday shopping with insights from WalletHub analyst Chip Lupo. As the holiday shopping season kicks off, many are gearing up to snag the best deals. But are Black Friday discounts as good as they seem? This episode is your guide to navigating the sales and maximizing your…
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In this episode of PennyWise, host Nat Cardona navigates the world of travel credit cards with insights from WalletHub analyst Chip Lupo. As the holiday season approaches, many are planning trips, and the right travel credit card can offer substantial savings and perks. If you're gearing up for holiday travel and want to maximize your rewards, this…
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