Legal
Transparency matters here as much as anywhere else, so here's the honest, plain-language version of how SmartHerCents makes money.
We use affiliate links
Some links on this site — in blog posts, resource pages, or printables — are affiliate links. This means that if you click through and make a purchase, we may earn a small commission, at no extra cost to you. The price you pay is exactly the same either way.
This may include, among others, the Amazon Associates Program and affiliate programs for budgeting tools, printables platforms like Etsy, and other products relevant to frugal living, budgeting, and side hustles.
Why this doesn't change our recommendations
We only recommend products, tools, or services we genuinely think are useful for the topics we cover — frugal living, budgeting, side hustles, and organization. Whether or not a link is an affiliate link, our opinion is our own. If something isn't worth your money, we won't recommend it just because it pays a commission.
Digital products & printables
We also sell some printables and digital products directly or through third-party platforms like Etsy. Any income from those sales supports the free content on this site — the blog posts and free printables remain free either way.
This is not financial advice
SmartHerCents shares general, educational information about budgeting, frugal living, and side hustles. Nothing on this site is investment, tax, retirement, or legal advice, and we don't recommend specific financial products, stocks, or strategies. For decisions that really matter, please talk to a qualified, licensed professional who knows your full situation.
Questions?
If you ever want to know whether a specific link is an affiliate link, just ask — email info@smarthercents.com and we'll tell you plainly.
This disclosure is provided in the interest of full transparency and in accordance with the FTC's guidelines on endorsements and testimonials.