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Conscious Coins

Be Mindful With Your Money

Debt Free After Three is now Conscious Coins!

May 23, 2018 By Zina Kumok

Hi y'all, I'm super excited to announce an exciting change - Debt Free After Three is now Conscious Coins! The new name represents my new journey through blogging, an attempt to share how I'm being more mindful with my money (or trying to). The content will remain somewhat similar, but I'm also expanding my coaching services. Now, you can easily schedule a 1-on-1 coaching call with me if you want specific advice on tackling your money ... Read more...

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Filed Under: Uncategorized

Why Self-Care Doesn’t (Always) Mean Spending More Money

January 16, 2018 By Zina Kumok

Lately, I've been seeing the word "self-care" thrown about often. I feel like I see it on every social media platform and in magazine ads and I hear it when I'm talking to my friends. I am a BIG fan of self-care. My favorite ways to self-care are going to my therapist, doing a facial mask a few times a week and eating more veggies than I used to. But lately, I've seen self-care bastardized and co-opted for marketing campaigns and by ... Read more...

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Filed Under: Saving Money Tagged With: fun, hobbies, self care

How to Ask for a Raise

November 7, 2017 By Zina Kumok

When I first started this blog, my main mission was to share how I was paying off my student loans early and to inspire other people to do the same. I did so at first by cutting expenses, living frugally and putting all my extra income toward my loans. I was only making $28,000-$30,000 a year, but I still managed to pay off my debt in three years. Now that I'm on the other side of debt freedom, I realize where I went wrong in my journey: I ... Read more...

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Filed Under: Make Money

How to Get Fabulous Makeup Without Spending a Fortune

October 25, 2017 By Zina Kumok

When I first decided that I wanted to pay off my loans early, I realized I needed to cut costs. Everywhere. That included my makeup and skincare products. Gone were the days of going to Sephora every time I wanted a new lip color, in came drugstore makeup. Growing up I was always envious of girls with designer lip glosses and eyeshadows, so it felt amazing once I started buying the brands I once coveted. But spending so much money on ... Read more...

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Filed Under: spending Tagged With: beauty, budget, drugstore makeup, makeup, maybelline, nyx

How to Earn $1,000 a month as a Brand Ambassador

October 22, 2017 By Zina Kumok

Any time I coach someone on how to pay off their student loans, I always mention they should find ways to earn more money. The people I talk to are often doing the best they can, budgeting, living frugally and putting every spare dollar toward their loans. But sometimes that's not enough. Sometimes spending less isn't enough - you need to find a way to make more. How to Make Money as a Brand Ambassador I first met my friend Melanie Lockert ... Read more...

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Filed Under: Make Money

How Refinancing Your Student Loans Can Save You Thousands

October 5, 2017 By Zina Kumok

Sometimes people ask me what's the biggest mistake I made when I was paying off my student loans. I tell them, "I didn't refinance my student loans." Honestly, I didn't even know I could refinance my student loans. Companies like SoFi, CommonBond and Earnest were barely around when I graduated from college and refinancing wasn't as widespread as it is today. Now, SoFi has ads during the Super Bowl. Even so, many of my friends aren't ... Read more...

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Filed Under: student loans

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Disclosure: I am not a financial professional nor am I licensed to dispense financial advice.
I may receive compensation from affiliate links and other companies.
While I share financial advice, it may not be appropriate for your lifestyle and personal situation.

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