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Blogger Profile


Zina Kumok

Blog Info

Name:
Debt Free After Three
Category:
Debt
Tags:
Frugality, Budgeting
Start Year:
2012

Blogger Bio

Location:
Denver, Colorado, United States
Age:
20s
Race:
White
Gender:
Female
Life stage:
DINK (Dual Income, No Kids)
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Latest Blog Posts

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 […] The post Debt Free After Three is now Conscious Coins! appeared first on Conscious Coins. ...
Posted: May 23 2018 @ 1:04 AM
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 […] The post Why Self-Care Doesn’t (Always) Mean Spending More Money appeared first on Debt Free ...
Posted: Jan 16 2018 @ 6:50 PM
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 […] The post Why Self-Care Doesn’t (Always) Mean Spending More Money appeared first on Conscious Coins. ...
Posted: Jan 16 2018 @ 2:50 PM
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 […] The post How to Ask for a Raise appeared first on Debt Free After Three. ...
Posted: Nov 07 2017 @ 8:14 AM
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 […] The post How to Ask for a Raise appeared first on Conscious Coins. ...
Posted: Nov 06 2017 @ 11:14 PM
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 […] The post How to Get Fabulous Makeup Without Spending a Fortune appeared first on Debt ...
Posted: Oct 25 2017 @ 11:00 AM
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 […] The post How to Get Fabulous Makeup Without Spending a Fortune appeared first on Conscious ...
Posted: Oct 25 2017 @ 3:00 AM
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 […] The post How to Earn $1,000 a month as a Brand Ambassador appeared first on ...
Posted: Oct 22 2017 @ 11:00 AM
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 […] The post How to Earn $1,000 a month as a Brand Ambassador appeared first on ...
Posted: Oct 22 2017 @ 3:00 AM
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 […] The post How Refinancing Your Student Loans Can Save You Thousands appeared first on Debt ...
Posted: Oct 05 2017 @ 10:00 PM

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