Robin Rose

Robin is a full-time business professional who has worked in the insurance industry for over 20 years. She is also a personal finance blogger who shares her first hand experience with the struggles of money and debt. On Mastering the Side Jam, she focuses on ways to maximize efficiencies to make & save money, pay off debt, and live your best life. She has been been featured on The Money Mix, Rockstar Finance, The Financial Diet and Women's Money Talk, and has been quoted in various online publications.

Balance Transfer Shuffling — And When to Avoid It

Balance Transfer Credit Card Decisions

It’s that time of year again.

Time to make some decisions. Time to make a change.

Hike up those big girl panties and do what needs to be done.

Is it a New Year’s resolution? Not really.

Year end performance evaluation and time to ask for a raise? Nope, not exactly.

Time to reign in the calories to work off those extra helpings of figgy pudding and fruitcake? Not so much.

What I’m talking about is wrangling in your finances, for the umpteenth time.

Getting a grip on your outstanding debt, because like it or not, the time has come…

The ticker is no longer counting down … the timer has landed at zero.

There is no more sand falling through the hourglass.

Six months have ended (or 12 or 18), and it’s time to take action.

It’s time for the Balance Transfer Shuffle.

What’s the Balance Transfer Shuffle, you say?

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13 Lessons Classic Horror Movies Teach Us About Personal Finance

Trick or Treat - What I Learned From Horror Movies
Trick or Treat

13 Finance Lessons Learned from Horror Movies

I grew up watching horror movies. Which is a bit comical, since I’m pretty much a big chicken.

No joke. If someone jumps out at me from around the corner yelling “Boo!”, I’m gone.

You’ll find me two miles down the road, without a thought of returning until the whole house has been purged of evil spirits.

I don’t know why I consented to watch all of these films. Maybe it was a sign of the times.

Because it seems like the 80’s was the decade of scary movies. Or that could just be my warped recollection.

But family fun night — let’s watch Friday the 13th!

Teenage sleepover — of course, Sleepaway Camp!

And for the annual Halloween party — well, I’d expect nothing less than gathering together to watch our favorite silent masked villain — no, not that one, the other one. Michael Myers, of course.

Watching horror movies was a legit rite of passage when I was a kid.

And it went hand-in-hand with checking under my bed, sleeping with the lights on, and asking my dad to check for monsters in the closet.

And yes, as a full grown adult, I am still afraid of the dark.

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Life is Better at the Beach

OBX sunset - Life is Better at the Beach
Life is Better at the Beach

By the Sea, Sure

I’m sitting here on the beach, writing a blog post.

Well, technically not on the beach — But we’re pretty darn close.

I can hear the waves crashing right outside the window where I’m sitting. And I can see the surf breaking, all white-capped and angry, in a hypnotic swirl of repetition.

It’s my family’s annual beach vacation. And right now, it’s raining in the Outer Banks. But from my current perspective, that is totally okay. Because I’m away from work, surrounded by almost all who matter most to me, and am able to relax for a few days.

And I’m writing a blog post.

Why, might you ask, am I blogging while on vacation??

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Side Hustle Ideas for Introverts (to Make Money From Home)

side hustle ideas for introverts
Side Hustles for Introverts to Make Money (From Home)


Side Hustle Ideas — for People Who Are Way Too Busy

So you’re trying to make some extra money on the side, and are looking for side hustle ideas to cash in on the entrepreneur lifestyle. Because everyone’s doing it — hustling to make a few extra bucks, trying out a couple of side gigs or work from home jobs here and there.

But if you’re already working a regular 9-to-5, aren’t you already way too busy — How do you find the time to do all of this hustling… and still enjoy living your life?

Lots of side hustles focus solely on the “hustle” part. For example, you’ll find suggestions all over the internet about becoming a driver for Uber or Lyft ridesharing, and Amazon Flex or Prime Now delivery services. GrubHub and DoorDash are popular services for restaurant delivery.

But what if you don’t have the time or bandwidth to do all of that physical hustling — What if you already work a full-time job, therefore only have a few hours a week to dedicate to side gigs?

And… how about those of us who *ahem* may or may not relish the thought of interacting with people 24/7? Because, for some of us, dealing with people can be downright exhausting.

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