Zina Kumok


Zina KumokZina graduated from Indiana University in 2011 with a Degree in Journalism. Her post-graduate experience in paying down student loan debt inspired her to help others take control of their finances. Having escaped student loan debt in under 3 years, she enjoys sharing tips and tricks for getting out of debt on her blog Conscious Coins.

An author and personal finance expert, her work has been featured on Investopedia, The Washington Post, Experian, Fox Business, Time, Quicken Loans, LendingTree, Forbes, Money.com, Mint, and many more. A three time “Best Personal Finance Freelancer or Contributor” Plutus Award finalist, Zina’s byline has also appeared in the Indianapolis Monthly, Commercial Appeal, and the Associated Press.

When Zina isn’t working she is spending time with her husband and two dogs.

To learn more, connect with Zina on LinkedIn.

What to Do When You Hate Your Job and Want to Quit

Quitting your job should be taken seriously. If you do it wrong, it could affect your ability to get another job. But if you do professionally, then you can seamlessly move from one job to another, even in the same field.

Zina Kumok 30 May

Axos Invest: Is This Robo Advisory Service Right for You?

There’s no question that investing is hard. That’s one of the reasons that robo advisors have become so popular in recent years. Axos Invest, formerly known as WiseBanyan, doesn’t charge any extra fees for its basic services.

Zina Kumok 16 Jan

Get Paid to Lose Weight with These 5 Apps

Did you know you can get paid to lose weight? It’s exciting to earn an incentive for something you already want to do. These weight loss bet apps and programs pay people money when they successfully reach their weight loss goals.

Zina Kumok 20 Dec

Tiller Money Review: A Perfect Budgeting Tool for Spreadsheet Addicts

Tiller will change the way you think about budgeting with a spreadsheet. If using Excel to track and analyze your spending is like learning to drive stick, Tiller is like driving an automatic. Learn exactly what makes Tiller a great budgeting app.

Zina Kumok 22 Jul

How to Find a Financial Planner That Meets Your Needs

Finding the right financial advisor is about establishing a relationship with someone you can trust. If you’re in the market for a good financial advisor, don’t pull the trigger just yet. Here’s what you need to know first.

Zina Kumok 03 Jun

Gazelle Review: What You Need to Know Before Selling Your Phone

Thanks to services like Gazelle, people can sell their old phones and tablets online without much effort. Plus, it’s free to send your phone for review. Find out if it’s the best place to get the best price for your phone.

Zina Kumok 24 May

A Beginner’s Guide to the 50/30/20 Budget Rule

Whether you’ve struggled to manage your personal finances consistently in the past or you’re looking to find a less time-intensive method, the 50/30/20 budgeting system might be the approach you need to stop struggling and finally make your budget stick.

Zina Kumok 02 May

401(k) vs. IRA: Pros, Cons, and Key Differences

The details of a 401(k) and IRA may get a little complicated, but choosing the right fit is actually pretty simple. Here’s what you need to know to get started investing in the right retirement account for your future.

Zina Kumok 19 Apr

Personal Capital vs. Mint: Which One is Right for You?

It’s easy to budget with the fintech apps available today. Two of the most popular personal finance apps are Personal Capital and Mint. Here’s how they compare, what they each do well, and how to decide which one is right for you.

Zina Kumok 16 Apr

Roth IRA vs. Traditional IRA: What You Need to Know

When it comes to choosing the right retirement account, over-analysis can lead to paralysis. It’s important to learn the difference between a Roth IRA and traditional IRA and know when is the best time to use each one.

Zina Kumok 12 Apr