Zina Kumok

Bio

Zina Kumok is a freelance writer specializing in personal finance. She writes a blog about paying off her student loans at Debt Free After Three.

Save or pay debt first? How to prioritize paying off student loans and credit cards

It's an age-old question: Do you save money or pay off debt first? Some camps emphasize paying off high-interest debt before you do anything else, while others point out it can be financially risky to put off saving until you are entirely debt-free…

How to make money on Instagram and get paid for sponsored posts

Trying to make a profit through sponsored posts on social media is still a relatively difficult gambit. For every successful entrepreneur making five to seven figures from their accounts, there are a hundred poor souls following the same formula —…

Quarterly estimated taxes: Here's when they're due, who owes them — and how to pay.

One in three Americans now earn part or all of their income from non-traditional and freelance work, according to the Bureau of Labor Statistics. That's a whole lot of folks working as consultants, driving for Uber, renting out their pads and…

Don't Let Debt Collectors Harass You. This Is What They Can and Can't Legally Do.

From constant phone calls to threats, it's hard to know what debt collectors are and aren't allowed to do. If you've been victim to intimidation because of unpaid bills, you're not alone: About 77 million people in the United States have debts in…