Zina Kumok

Certified Financial Health Counselor, Certified Credit Counselor, and freelance personal finance writer/speaker. I paid off $28,000 of student loans in 3 years. Now, I teach people how to be mindful with their money. ConsciousCoins.com

Joined: March 9, 2018
Articles: 16

Money Management

5 Ways to Boost Your Financial Confidence

Here are five habits that lay the groundwork toward financial confidence, one tiny victory at a time.

Zina Kumok
December 16, 2020

Money Management

How to Track Travel Refunds and Credits with a Spreadsheet

Keeping track of your travel credits and refunds from canceled vacations is much easier with a spreadsheet. Here are tips and a link to a free template to help.

Zina Kumok
July 21, 2020

Money Management

How to Compare Health Plans During Open Enrollment With a Spreadsheet

Picking a healthcare plan during open enrollment is about as fun as going to the doctor. However, a simple spreadsheet can help you find a plan best for you.

Zina Kumok
October 3, 2019

Money Management

How Married Freelancers Manage Their Taxes

Finances in a marriage can be complicated - especially when both partners earn income via freelance work. Here's how one couple uses spreadsheets to manage it.

Zina Kumok
May 29, 2019

Money Management

How to Make a Budget With a Difficult Partner

Budgeting with someone you can’t stand is all about knowing when and how to compromise. Here are some of the most common situations and how to handle them.

Zina Kumok
May 21, 2019

Budgeting

Tips on Budgeting While Managing a Chronic Disease

People with chronic diseases have to put a larger share of their salary toward their condition, so their financial management skills have to be better as well.

Zina Kumok
February 26, 2019

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