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 & Coach for Bold Bookkeepers
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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Why Saying Yes to Everything Costs You Money and Energy
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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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Financial Fresh Start: 8 Tips to Turn Your New Year's Resolutions Into Reality
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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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Hiring Help Without Breaking The Bank
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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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Bench Accounting Shutdown What to Do Next
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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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Gift Card Goldmine: 10 Strategies to Maximize Gift Cards That Don't Match Your Needs
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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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How to Use Blogging to Grow Your Creative Business
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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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Festive Escapes: 9 Last-Minute Christmas Getaways in the U.S.
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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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Plan Next Year’s Success with a Year-End Financial Review
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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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Tax Season Prep for Creatives Made Simple
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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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Cyber Monday Savvy: 5 Tips to Maximize Savings and Minimize Stress
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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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How Branding Transforms Your Creative Offers
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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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Mastering Store Credit Cards: Expert Tips for Savvy Shoppers
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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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How to Make the Most of Quiet Times in Your Business
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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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5 vacation spots for Disney fans that aren't Anaheim or Orlando
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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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Grow Your Business Through Genuine Engagement
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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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Get Paid What You’re Worth
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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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AI for Creatives: Your New Digital Assistant
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Send us a text! If you want us to contact you leave an email we can contact you at! On today's episode of Creative Minds Smart Money, we’re diving into the world of AI for creative entrepreneurs! Whether you're a solopreneur, freelancer, or small business owner, AI can help you level up your business without the overwhelm. Our guest today, Nikki, f…
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The Financial Reports Every Creative Needs
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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! I’m your host, Samantha Eck, and in today’s episode, we’re talking about something every creative entrepreneur needs but most tend to avoid—financial reports. Whether you're running a thriving creative business…
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Simplified Invoicing: Get Paid On Time, Every Time
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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! I’m your host, Samantha Eck, and today, we’re diving into one of the most crucial yet often dreaded parts of running a business: invoicing. Whether you're a freelancer, small business owner, or creative entrep…
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What Federal Rate Cuts Mean for Homebuyers and Sellers
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In this episode of PennyWise, host Nat Cardona delves into the recent Federal Reserve interest rate cuts with insights from NerdWallet lead writer, Kate Wood. If you're in the housing market—whether buying, selling, or refinancing—this episode is packed with crucial information to help you navigate these changes. The discussion starts with an overv…
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The Art of Creative Leadership
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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, we’re diving into the power of leadership and why blending creativity with strong management is the secret sauce for building a successful business. I’m thrilled to have Tomasha Suber, founder of T28 Co…
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How to Navigate Google for Financial Advice and Avoid Costly Mistakes
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In this episode of PennyWise, host Nat Cardona explores the potential pitfalls of relying on Google search results for financial advice with insights from WalletHub expert, John Kiernan. If you're accustomed to trusting the top Google search results for your financial decisions, this episode is essential listening. The discussion begins by addressi…
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Elevate Your Business Operations
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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! I’m your host, Samantha Eck, and today’s episode is all about taking your creative business to the next level with smarter, more efficient operations. I’m joined by systems and operations consultant Lauren Glyn…
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Hidden Dangers of Credit Building Products: Protect Your Score
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In this episode of PennyWise, host Nat Cardona dives into the murky waters of credit-building products with insights from WalletHub expert, Christie Matherne. If you're struggling with poor to fair credit and looking for ways to improve it, this episode sheds light on the pitfalls of some questionable credit-building practices and products. The con…
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Maximize Your Travel Budget: Benefits of Shoulder Season
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In this episode of PennyWise, host Nat Cardona uncovers the concept of "shoulder season" with insights from Nerdwallet travel expert, Sally French. If you're looking to save money and avoid the crowds on your next vacation, this episode is a must-listen. The discussion kicks off with a clear explanation of shoulder season, defined as the period bet…
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Protect Your Brand: Essential Legal Steps for Creative Entrepreneurs
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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 the Creative Minds, Smart Money Podcast, I’m chatting with trademark lawyer Kelly Jones, who’s here to drop some serious knowledge on how to protect your creative business legally (don’t worry, we’re keeping it jargon-free). From the basics of tra…
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Life Insurance Milestones: 6 Key Times to Reevaluate Your Coverage
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In this episode of PennyWise, host Nat Cardona delves into the critical topic of life insurance with Nerdwallet financial expert, Elizabeth Ayoola. They discuss six key milestones that signal it's time to reevaluate your life insurance needs, providing essential insights for anyone looking to safeguard their family's financial future. The episode b…
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Unlocking the Power of Email Marketing
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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 another episode of the Creative Minds Smart Money Podcast! This time, we’re diving deep into the world of email marketing with special guest Shannon—an email marketing pro who turned her burnout as a wedding photographer into a thriving, profitable b…
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In this episode of PennyWise, host Nat Cardona discusses strategies for parents supporting their adult children financially, featuring insights from Nerdwallet financial expert, Kim Palmer. With six in ten parents having helped their adult children in the past year, this episode provides practical tips to guide your kids toward financial independen…
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Building Resilience: Staying Strong and Motivated as a Creative Entrepreneur
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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, where we blend creativity and financial know-how to help you build a thriving business. Today, I’m excited to have Josie Dumont, a certified leadership and mindset coach, join me to talk all about building res…
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Mindset Matters: Breaking Mental Barriers for Financial Success
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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 another episode of the Creative Minds, Smart Money Podcast! I’m your host, Samantha Eck, and today I’m joined by Melissa Nguyen, a mindset and embodiment coach who’s all about helping creative entrepreneurs break through their mental blocks—especiall…
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In this episode of PennyWise, host Nat Cardona explores practical ways to secure cheap car insurance with Nerdwallet expert, Melissa Lambarena. Car insurance is a necessity in many states, but that doesn't mean you have to overpay. This episode provides actionable tips to help you get the best deal on your car insurance policy. Tune in to this epis…
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Proven Strategies for Successful Business Growth
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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! I’m your host, Samantha Eck, and in today’s episode, I’m thrilled to welcome Ambrosia Carey—business consultant, speaker, and a seven-figure salon owner. Together, we’re diving into the must-know strategies fo…
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In this episode of PennyWise, host Nat Cardona is joined by a Nerdwallet financial expert to discuss five ways credit cards can help ease the burden of back-to-school expenses. As the school year approaches, families often face significant costs for clothes, supplies, and electronics. This episode offers practical tips to make those purchases more …
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Why SEO is a Great Long-Term Investment
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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! I’m your host, Samantha Eck, and in this episode, I’m chatting with the amazing Jessica Freeman from Jess Creatives. We’re diving deep into something that’s a total game-changer for creative entrepreneurs: SEO…
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In this episode of PennyWise, host Nat Cardona delves into the concept of financial self-care with Nerdwallet financial expert, Kim Palmer. Often, self-care is associated with relaxation activities like reading a book or taking a spa day, but financial self-care is about ensuring your financial practices contribute to your overall well-being. The d…
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When is the Right Time to Hire a Bookkeeper for Your Creative Business?
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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 Creative Minds, Smart Money, where we blend creative passion with financial savvy! I’m your host, Samantha Eck, and today we’re talking about something every creative entrepreneur wonders at some point: When should you hire a bookkeeper…
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Why You Need to Separate Business and Personal Finances as a Creative Entrepreneur
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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 Creative Minds, Smart Money—the go-to podcast for creative entrepreneurs looking to thrive financially without losing their creative edge! I’m your host, Samantha Eck, and in today’s episode, we’re tackling one of the biggest financial musts for any creat…
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Choosing the Best Accounting Software for Your Creative Business
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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—where we turn creativity into cash flow without losing your creative spark! I’m your host, Samantha Eck, and today we’re diving into a topic every creative entrepreneur needs to tackle: choosing the best accounting softwar…
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