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 Use a Google Spreadsheet to Plan Your Wedding (+ Free Templates)

Whether you’re planning a small wedding or a 300-person blowout, you need a spreadsheet to keep your budget on track. Weddings are notoriously expensive, complicated and time-consuming to plan - so using a dedicated spreadsheet can keep you from melting down under the stress.

Zina Kumok
February 5, 2019
2 Comments

Money Management

How to Track Side-Hustle Income in a Spreadsheet

In 2020, one job just isn’t enough. Everyone seems to have an extra source of income, whether it’s driving for Uber, selling crafts on Etsy or performing small jobs on TaskRabbit. It’s the age of the side hustle. But unlike…

Zina Kumok
October 19, 2018
1 Comment

Small Business

Getting Your Self-Employed Finances Ready to Buy a House

Thinking about our dream house has been exciting, but the process of saving for a down payment hasn’t been all sunshine and roses. We’ve had to make sacrifices and come to terms with what we can realistically afford.

Zina Kumok
February 4, 2018

Money Management

Learn About Investing: The Next Step in Your Financial Journey

"After taking a long hard look in the mirror, I started the journey of teaching myself about investing. It wasn’t easy, but the results were worth the effort. Here’s how I did it."