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.

Swappa Review 2021: A Safe Platform for Selling iPhones and Other Tech

Swappa is a site for selling cell phones and other devices. Sellers upload photos of the item they want to sell, pick the brand, choose the models and any other details, and then create an account. Here’s exactly how it works.

Zina Kumok10 Nov

Mistplay Review: How Much Does It Pay to Play?

If you already love playing mobile games and want to be rewarded for it, then using Mistplay is a good choice. If you’re stuck on a car ride with a phone, Mistplay is a fun way to earn money and kill time.

Zina Kumok25 Aug

Buyback Boss Review 2021: Is Their Highest-Price Guarantee Legit?

Buyback Boss is a site that buys back or lets you trade in used and new cell phones, tablets, and Apple watches. All you need to do is select which device you have, describe its condition, and then Buyback Boss will show its offer price.

Zina Kumok10 Aug

Is the 4% Rule for Retirement Withdrawals the Best Option?

The 4% rule is popular with retirees. It offers an unambiguous withdrawal rate that works for most people, and the concept behind it is simple to implement. But is this strategy the best for your future?

Zina Kumok12 Jun

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 Kumok30 May

5 Apps That Will Pay You to Lose Weight

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 Kumok20 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 Kumok22 Jul

Gazelle Review 2021: What You Need to Know Before Selling Your Phone

Gazelle is a site that buys and sells discounted and gently-used electronics including iPhones, Samsung Galaxy, and Google Pixel devices. Users can trade in their old technology for money or search for deals on new-to-them phones and tablets.

Zina Kumok24 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 Kumok02 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 Kumok19 Apr