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

How to Track Your HSA Spending in a Spreadsheet

Here are a few ways to track your HSA spending with a spreadsheet, plus tips on why it’s so important to keep accurate records.

Zina Kumok
May 2, 2024

Debt Payoff Goals

What is the Best Credit Card Payoff Strategy?

Overall the snowball method is recommended as real-world data suggests people pay off debt faster with this strategy.

Zina Kumok
April 25, 2024

Money Management

5 Personal Finance Metrics to Track and Keep Top of Mind

You don’t need to know your finances inside and out keep things under control. You just need to a snapshot of a few key metrics that gauge how you’re doing in certain areas.

Zina Kumok
December 21, 2023

Money Mindset

Surprising Ways Emotions Hurt and Help Financial Decision Making

To avoid being controlled by your emotions, you need to understand how they guide and distort your decisions. Here’s how emotions can hurt and help your finances.

Zina Kumok
June 9, 2023

Money Management

Simple Ways to Keep Your Finances Organized in 2023

New Year’s resolutions get a lot of flack. But making important changes is easier when you attach meaning to them. The new year is a perfect opportunity for a fresh start.