Zina Kumok is a personal finance writer, certified financial health counselor, and student loan counselor. She works as a money coach helping people one on one at ConsciousCoins.com. Her advice has been featured in Lifehacker, FoxBusiness, Time Magazine, Investopedia, Forbes, and several other major financial brands. She paid off $28,000 worth of student loans in three years. She's a three-time Plutus Awards finalist for Best Personal Finance Contributor and a three-time speaker at FinCon, the premier financial media conference.
Guide
14,630 views
9 min read
You’ve heard the phrase “timing is everything,” and that is especially true with your finances. Just ask those who locked in 2.65% mortgage... read more »
By: Zina Kumok • 11/25/24
Guide
53,238 views
11 min read
When people ask me what part of personal finance they should care about, I always tell them: your creditworthiness. Being creditworthy is like... read more »
By: Zina Kumok • 10/1/24
Guide
35,745 views
9 min read
When the credit bureau Equifax was hacked in 2017, I was worried that my information would be compromised — or someone would open a new credit... read more »
By: Zina Kumok • 9/19/24
Guide
48,324 views
15 min read
An installment loan is a loan with a fixed repayment term, meaning that there is a specific end date to the loan. When you sign up for an... read more »
By: Zina Kumok • 6/13/24
Study
77,220 views
9 min read
Credit scores are one of the most important financial barometers. A good credit score opens doors to lower interest rates and better loan... read more »
By: Zina Kumok • 9/27/23
Guide
100,000+ views
11 min read
It’s a cliché for a reason: Buying a home truly makes you feel like you’ve fulfilled the American dream. But if you have a low income and bad... read more »
By: Zina Kumok • 8/8/23
Guide
100,000+ views
11 min read
If you’ve ever struggled with the consequences of poor credit, you may feel like everyone except you seems to know some higher credit score... read more »
By: Zina Kumok • 2/1/21
Guide
100,000+ views
13 min read
Credit score charts are an easy way to make sense of what can be an overwhelmingly complicated topic. There’s a reason why teachers like to use... read more »
By: Zina Kumok • 12/28/20