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Personal Finance Advice from Zina Kumok

Hey there! I'm Zina, your financial companion. Explore tips for saving, conquering debt, and mastering student loans. Plus, consider personalized coaching. Learn more below!

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Personal finance advice

Hi I'm Zina

I'm a personal finance writer, speaker, and money coach. I've been nominated for freelance writing awards, helped people pay off thousands in debt, and blogged for over 10 years.

But, I used to struggle with money too. I ate out often, couldn't save, and bought unnecessary clothes. In 2011, I graduated with $24,000 in student loans, earning just $28,000 yearly and hating my job.

The worst part? I couldn't use retail therapy to feel better because I barely covered bills. So, I learned to budget and take control.

In three years, I paid off my student loans and started saving for retirement. Now, I have a great closet and a healthy bank account. I also help others as a Certified Financial Health Counselor and Student Loan Counselor, with recognition as a three-time Best Personal Finance Contributor/Freelancer finalist.




Student loan
debt paid off in 3 years


Best personal finance
contributer finalist

I sought out Zina’s help to help me figure out a way to pay off my debt as quickly as possible. She was extremely patient with me and offered simple, practical tips to create big gains. I'm so thankful for her assistance and recommended her help and services to many of my friends.

Lauren - Coaching Client

The Knowledge Hub

Welcome to my personal finance hub! Discover money-saving tips, debt payoff strategies, and expert advice on US student loans below.

Student Loans

Student Loans

Unlock the secrets to managing your student loan – your path to financial freedom starts here.

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Money & Life


Learn smart spending strategies for a brighter financial future – click below to uncover the secrets of savvy spending.

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