Podcast appearances and mentions of zina kumok

Part 1:We talk with Kevin Korous, who is a statitiscian candidate for school board in Utah.We discuss his main platform: school lunches for children, without means testing. We talk about the importance of feeding children, and how it affects their learning and health.Part 2:We talk with Zina Kumok, a personal financial advisor.We discuss Tim Walz's finances. He does not have the kind of money many candidates have: only his pension from his teacher salary and whatever military pension from his years in the National Guard. This makes him relatable to most working people in the US.  WNHNFM.ORG   production 

In this episode, Zina Kumok shares her journey of paying off $24,000 in student loans in just three years. She emphasizes the importance of budgeting and tracking expenses, as well as the power of making small extra payments. Zina also discusses the balance between frugality and happiness, and the need to find peace with past money choices. She highlights the shift in personal finance advice for Gen Z and the importance of considering the emotional aspect of money. TakeawaysBudgeting and tracking expenses are crucial for managing debt and achieving financial goals.Making small extra payments can have a significant impact on debt payoff.Finding a balance between frugality and happiness is important for overall well-being.It's essential to find peace with past money choices and focus on personal growth.Personal finance advice is shifting to consider the emotional aspect of money and the individual's unique circumstances.Finding deeper reasons for financial goals and aligning them with everyday life can provide motivation and fulfillment.Wall Street Journal Article on Gen Z and Dave RamseyCheck out Zina's WebsiteFollow Zina on InstagramFollow Zina on YoutubeYou Might Like: Get the BRAND NEW FREE Goodbye Debt Tracker! Grab my FREE Budgeting Cheat Sheet. Follow Allison on Instagram! @inspiredbudget Check out Inspired Budget's blog. Take my FREE class on How to Budget to Build Wealth!

Today on the show, three professionals join Adam to discuss all things student loans. Amy Lins is a Financial Educator at MMI, Adam Minsky is a Student Loan Attorney, and Zina Kumok is a Personal Finance Writer that specializes in student loans. Our three guests discuss loan repayment and forgiveness, how to apply for repayment initiatives, and the mental impact that student loans can have on the borrower.

In this episode, we cover how small consistent steps over time can result in big outcomes - like Zina paying off $28,000 in student loan debt 7 years early by making consistent $10 extra payments. Using a combination of increasing extra payments, and freelance writing, Zina discusses tips, tricks, and strategies she used to conquer her mountain of student loan debt. Full show notes and resources can be found here: thestudentloanpodcast.com/episode4 Visit our podcast sponsor at StartNoo to learn how you can exchange service hours in the community for direct payments towards your student loans or tuition.

How did you handle money in your college years? The label, starving student, has become cliche, but it's a title that many of us know all too well. No matter what stage of life you're in, if you're struggling to manage your spending, my guest this week has some timely advice. Zina Kumok is a freelance writer specializing in personal finance. She's also a money coach who helps people pay off debt, build budgets and spend mindfully. In this week's episode Zina and I talk about the money lessons she learned during college, and how she made the switch from carefree spender to balanced saver. You can find the show notes for this episode at https://maplemoney.com/112 This week's episode was brought to you by EQ Bank. Did you know? You can now transfer money overseas with TransferWise directly from your EQ Bank Savings Plus account. Not only will you benefit from earning 2.00% interest on your savings, but you'll pay far less for international money transfers. While other banks have a habit of sneaking in markups and extra charges, that's not something you'll have to worry about with EQ Bank. To start saving money today, visit https://maplemoney.com/eqbank

The gig economy is not going away anytime soon and that means we have a big challenge because a lot of us dong’ get steady paychecks. Freelance writer and personal finance expert Zina Kumok of ConsciousCoins.com shares her success strategies and more. For this episode's show notes go to https://bobbirebell.com/podcast/zinakumok

We're finally back - and with a new co-host! Sean and his new partner, Brad, tackle what to look out for this open enrollment season and what all FSA/HSA users should know before they contribute this season! We also have a sit down with personal finance writer Zina Kumok, who provides firsthand tips for HSA users. Also a roundup of our favorite product picks and the witty banter you've come to expect from Podcast Eligible.

In this Nothing Funny About Money Short, Zina Kumok tells Matt Goren her story about knocking out tens of thousands of dollars in student loans in just a couple years. You can find all of Episode 18: Financial Adulting on NothingFunnyAboutMoney.org or wherever you get your podcasts.

Zina Kumok’s parents immigrated to the United States, with no money education and completely unprepared for the consumer society they found themselves in. They quickly got into credit card debt in order to have the lifestyle they “deserved.” An avid listener of Dave Ramsey, Zina quickly determined she did not want to ever be in debt. However, she graduated with $24,000 in student loan debt and made it her mission to pay that off as soon as she could. Every single extra dime she found, she threw at her debt until it was all gone. So once the debt is gone, Zina realized that she needed to ramp up her investing. Not one to just ‘show up and wing it,’ she set about learning how to invest properly. Zina’s story illustrates that you CAN pay off debt while making a lower salary, you CAN pursue financial independence while self-employed, and that your past does not define you. Links from the Show FinCon Dave Ramsey’s Podcast Behavior Gap (Carl Richards) BiggerPockets Money Podcast 35 with Craig Curelop

Managing finances can be tough… especially for people making the transition out of high school or college. On this episode, hosts Matt Goren and Danny Kofke discuss financial adulting, lifestyle creep, and knocking out student loan debt with special guest Zina Kumok.

Timeline: 00:22 – Zina Kumok’s Bio 00:57 – Zina’s Financial Freedom Journey 03:48 – How did you stay motivated during your Journey? 05:08 – What system did you use to pay off your debt? 06:43 – What is one thing you wish you knew when you were starting out paying off your debt? 07:38 –... The post Overcoming Your Financial Fears with Zina Kumok (DebtFreeAfterThree.com) appeared first on Financial Freedom Community.

Zina Kumok is a freelance writer specializing in personal finance (one of the best...she’s done some writing for me). She also writes at DebtFreeAfterThree.com about how she paid off $28k worth of student loans in three years as a journalist. Zina has seemingly made all the right financial moves in a short period of time. I find myself saying “I wish I’d done that when I was your age” a lot in this interview. Listen on to find out what all she did and how she accomplished it. Stick around after the interview for my biggest takeaways. Find the extensive list of show notes, as well as resources mentioned in the show, at http://ptmoney.com/zina

Zina Kumok shares how she paid off $28,000 in debt in just 3 years  

Today’s guest is just 26 years old. She graduated from college in 2011 with a degree in journalism and a burning desire to become debt free as soon as possible. And even though her $28,000 loan was not particularly high by today’s standards (some students graduate with hundreds of thousands of debt), to pay it off on the starting salary of a journalist of only $28,000 a year (about half an average starting salary) would challenge anyone. But she was determined… and as a result, managed to do erase her debt in 3 years! Her story went viral… and she was featured in Time Magazine and other major news outlets, which inspired her to dedicate her spare time – when she’s not busy with her “day job” doing PR and marketing for a non-profit – to speak and write about her experience so other young adults can do the same. Her name is Zina Kumok.

   We have a listener guest today!  Zina Kumok joins us to share her financial life and find out what she is doing right and what she could be doing better. LMM met Zina at Fincon.  She vowed to pay her student loan debt off in three years and started a blog to document her progress. She did it too.  As of this month, she has paid off her entire loan balance.  She put any extra money, free lance money, birthday money, towards the debt. Like many of us, Zina had very little finance education.  Whatever she made, she spent.  At one point, she ate out three meals a day!  When she had to borrow money for a security deposit on an apartment, she realized she had nothing to show for the pretty good money she was making. Zina’s parents were fans of Dave Ramsey and that was her introduction to personal finance. Get Rich Slowly was another big influence as it was for a lot of us. Student loan debt was the only debt Zina had.  No credit card or mortgage debt.  She is engaged to be married and is planning on joining finances with her fiance soon.  Now that she has some breathing room, she can be less strict on her budgeting.  Her fiance is as money savvy as Zina and is also debt free. Both partners have an emergency fund but want to build it up to six months for of expenses.  They have a dog that may need surgery in the future.  Pet insurance may be something to consider for Zina. Zina started an  IRA while in college.  She now does matching in her 401K.  The money that no longer needs to go towards the loan will go towards the emergency fund and retirement.  The emergency fund is now stashed in the savings account but Zina realizes this needs to change. Zina uses Mint and an Excel spread sheet to budget.  New tech and old school.  The idea of buying a house is not really on her radar right now.  Her parents had three offers in four years when they tried to sell their house.  That would put anyone off. Good luck to Zina and her fiance on their wedding and combining their finances.  Zina hopes to start a podcast soon so check her site for updates. Show Notes Abbey Ale:  A golden, Belgian style ale. Flying Fish Hop Fish:  An English style IPA. Debt Free After Three:  Zina’s story of paying of her student loans in three years. Mint:  The easy way to budget. Betterment:  The easy way to invest. Learn more about your ad choices. Visit megaphone.fm/adchoices

Original Show Notes: How to get out of debt   Zina Kumok is the founder of the blog Debt Free after 3– A former sports writer, Zina has written for the Associated Press and have covered the New York Yankees, NBA Draft and Final Four. Currently living in Denver she is a full-time freelance writer specializing in personal finance. She has taught several classes on budgeting, how to save money and how other people can pay off their loans. Welcome Zina! [2:59] Tell us a little about yourself. ·      From Tennessee ·      Journalism degree ·      Paid off student loans [4:6] What is the biggest money mistake that you learned from? ·      Shopping- wasting money [6:2] What is a common mistake that you see people making with their money? ·      Ignorance [7:44] You have a section on your blog about your student loan repayment journey. Tell us about it. ·      $24,000 in loans ·      $28,000 with interest ·      Didn’t have any money left over after bills ·      Cut back spending [12:24] You also have a course that helps people learn how to pay back their loans. Can you share some details about it? ·      Personal finance 101 ·      Basics in investing [13:42] What is one thing you wish you knew back when you were paying off your loans? ·      To refinance student loans [14:52] Now that you are no longer in debt, what are you doing with your money that you are able to save? ·      Saving for a house down payment Sponsors [15:56] Chain of Wealth – Are you deciding whether or not you want to rent your house out? Check out our guide on becoming an airbnb host and see how much money you can make. If you’re enjoying this podcast, don’t forget to subscribe, rate and review! Value Link Round (VLR) [16:34] Why do you think that people fail at achieving their dreams? ·      Hard to decide what to do to get to a goal [18:27] What other books or podcasts do you recommend? ·      Book: The total money makeover & all the money in the world ·      Live like no one else so that later you can live like no one else [22:15] How can listeners get in touch with you? ·      Blog: debtfreeafterthree.com ·      Course- Studentloanknockout.com [23:38] Any last advice? ·      Anything is possible with your money Support this podcast at — https://redcircle.com/chain-of-wealth-debt-investing-entrepreneurship-wealth-and-more/donationsWant to advertise on this podcast? Go to https://redcircle.com/brands and sign up.