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Conscious Coins

Be Mindful With Your Money

Introducing my Solar Power Guide!

November 26, 2020 By Zina Kumok

If you’re like me, you’re sick of personal finance experts advising you to give up lattes and avocado toast in a quest to build wealth. But I’ve just discovered an opportunity that allows you to save money without getting rid of anything. The best part? This opportunity is also good for the environment at the same time.  My big discovery? Solar panels. Installing solar panels on your house can be a huge cost-saver for decades to come. If you ... Read more...

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4 Ways to Save for Your First Home

December 27, 2019 By Zina Kumok

Many of us have felt the wrath of student loan debt– I know I have. There’s no doubt that debt can accompany a bit of anxiety. It can make you feel that certain milestones like moving out or buying your first home are totally out of reach. In fact, 61% of millennials claim they’ve delayed buying a house because they felt overwhelmed with debt and underprepared. But, I’m here to tell you that doesn’t have to be the case. You can save for ... Read more...

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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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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

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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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