I’ve long been on the saving money bandwagon. Ever since I realized the magic of compound interest and just how much saving now can improve my financial future, it was like someone flipped a switch in my brain.

However, to be very honest, it took me a bit longer to get on the environmental bandwagon. Sure, I made sure to recycle and I would never have dropped trash on the ground. But it was only when I saw an interview with someone breaking down the science of climate change around the middle of the last decade that I realized just how dire things are.

And as the saying goes: change begins at home. So my first step was to start looking around my own life to see what steps I could take in our household to make just that little bit of difference.

It wasn’t long before something quickly became apparent. Many of the same habits you can implement to save money are also the exact same things you can do to help the environment.

So whether you’re looking to make some changes in your own life to protect your wallet or protect the planet, they’re both great reasons with some really incredible outcomes for both sides of the equation.

Take a look at some of the things I’ve implemented in my own life to achieve both goals to see just which of them you could bring into your own daily habits.

1. Buy a reusable water bottle

If you’re going to make one immediate change, make it this one. Americans currently buy 50 billion bottles of water annually, which is equivalent to every person in the US using 13 plastic bottles per month. 

On that basis, if you use a reusable water bottle, you’ll be helping to save 156 plastic bottles per year on average. That’s a lot of plastic…and a lot of money that you’ll suddenly find yourself saving instead of using it to buy those 156 drinks.

2. DIY eco-friendly cleaners

Many dishes and laundry detergents contain synthetic ingredients that are harmful to aquatic life, not to mention that most come in plastic. So, instead, try using cheap ingredients to make your own aromatic cleaners. 

Bicarb soda and vinegar can clean an amazing amount of things very effectively and are also much cheaper than commercial cleaning products. And by making effective cleaners from pantry ingredients, you’ll be saving money and helping the environment.

3. Install a programmable thermostat

Replacing your old thermostat with a programmable one is an easy and cost-effective way to save money on your heating and cooling bills. You can set a programmable thermostat to change your home’s temperature based on the time of day, based on whether you’re home, and other factors. 

Also, with many programmable thermostats, you can pre-heat or cool your home using an app rather than running the air conditioner all day.

4. Eat less meat

The agricultural industry is one of the largest sources of emissions, but it’s also true that we have to eat. However, did you know that the production of meat worldwide causes twice the pollution of production of plant-based foods?

Based on this, a very simple yet effective change that your household can make is to eat less meat. Many people do this by having meatless Monday, but you can certainly expand this to other days of the week. Rice, pasta, beans, potatoes, and frozen vegetables are much cheaper than meat, especially when you buy them in bulk and store them for a long time.

(Similarly, consuming less dairy is also a good idea for both your budget and the environment!)

5. Cut the faucet

Do you brush your teeth with the water running? It wastes precious resources and your money – and is really completely unnecessary. 

Instead, wet your toothbrush, turn off the faucet, apply toothpaste, and brush for two minutes twice a day before turning the water back on to rinse. It may not seem like much, but it can really add up over your lifetime. 

6. No more paper towels

While you may be used to reaching for paper towels for a spill or to accompany each meal, there’s really no need to use these disposable paper products anymore.

A good alternative is to ose ‘utility towels’ to clean up spills instead and to have cloth napkins on hand for meals. This makes cleaning messes around the house (or around your mouth) much cheaper and more eco-friendly.

7. Cut food waste

The National Resources Defense Council estimates that up to 40% of US food is thrown away. Safe to say, this isn’t just a huge waste of money but also of resources. 

At the same time, food is often one of the three biggest expenses in most household budgets, so food waste can be a huge financial drain for anyone trying to live on a budget. To avoid food waste in your own home, an easy strategy can be to make weekly menu plans. This lets you shop smarter at the grocery store, ensuring that you buy only what you need and resulting in far less food (and financial!) waste.

8. Recycle used items

Manufacturing new clothes, furniture, and other products consume a large part of many Americans’ disposable incomes – while over 11 million tons of textiles go to landfill every year. 

So instead of only buying new items, visit your local thrift store to find used items and save resources such as energy and raw materials. You can also look into using websites for both getting new and disposing of existing clothing. Seeing how to sell on Poshmark is one great example of that.

9. Unplug switches

Even when your devices and appliances are turned off, electricity continues to flow to them. That’s right! This is actually known as “vampire energy” and it’s estimated that it accounts for 10% of household energy use.

This is why unplugging appliances when they’re not in use saves energy, which helps reduce CO2 emissions, not to mention your energy expenses.

So, after breakfast, unplug the toaster, and unplug the TV while you’re at work or sleeping. A power strip can make this one-plug process more accessible, but it doesn’t get much more manageable when saving money and the environment.

Remember that the Wi-Fi router must remain plugged in in some cases, such as a home security system or programmable thermostat.

10. Use everyday objects to repurpose

Aside from thrifting, you can reuse and repurpose items already in your home. For example, you can reuse glass jars as storage containers to hold tea bags and other items.

You can even combine this with one of the other suggestions on this list. That is, if you have a store where you can buy dried goods in bulk near you, like beans and rice, use those glass jars as a way to store these items over the long term. Not only is it cheaper, but they can look great when lined up on a shelf in your kitchen.

11. Buy long-lasting items

It may be slightly more expensive initially but, where possible, it’s often better to spend some extra money to ensure you get a product that will last a long time. This may surprise anyone looking to embrace frugal living, but making this choice will save you money and prevent more trash from entering landfills.

For example, while fast fashion can be tempting due to its low cost and the fact that pieces tend to be very similar to many in-fashion items, there’s a huge environmental cost with this. If you can, try to spend a bit more on more classic, longer-lasting pieces, to avoid the fast fashion carousel.

12. Insulate your doors and windows

A costly ecological and financial error is allowing heat to escape in the winter and cool air to escape in the summer. Fortunately, this can be easily corrected. 

Weatherstripping doors and windows is one way to help the environment while saving money on utility bills. In particular, the US Department of Energy claims that sealing an older home can save you up to 20% on heating and cooling costs. Not a bad saving for very little effort!

13. Get that garden going

A large backyard tomato, pepper, and cucumber garden could save you hundreds of dollars annually. But even if you don’t have a yard with the space for a full vegetable patch, try starting with a window box herb garden for easy access to basil for salads and cilantro for guacamole.

Growing your own herbs is definitely good for the environment and your wallet – not to mention your meals, as fresh herbs can make such a difference!

14. Use LED bulbs

Another quick fix is to replace dim light bulbs with LEDs. While it’s true that LED bulbs cost more than incandescent bulbs upfront, they also last much longer and use up to 80% less electricity. 

Specifically, doing this could save you up to $20 per bulb. If you want to see the impact of this on your own household budget, use this energy savings calculator to calculate your personal return on investment of switching to LED light bulbs.

15. Quit smoking

Smoking is not only costly, but it also pollutes waterways, soil, and wildlife. There’s also the fact that discarded still-lit cigarettes can cause property damage. 

However, the actual financial cost of smoking can be calculated using simple economics. The lifetime financial cost of smoking is estimated to be between $1.6 and $3.1 million for each smoker, which includes product costs and high healthcare costs. I don’t know about you, but I have a few better ideas of how I could use $3 million than inhaling it.

16. Change your transportation methods

Carpooling, biking, walking or public transport are excellent ways to save money on gas. The more you avoid driving, the less expensive it will be to own a car. It also reduces your carbon footprint.

In the case of biking and walking, these can also be great for your health. Not only is living longer a pretty reasonable goal to have overall, this is also good for your wallet in that it will likely result in reduced health costs over your life.

Final thoughts

There’s no question that saving money and setting yourself up for a solid financial future is definitely something we should all be doing. But doing what we can for the environment is also more critical than ever.

So if you can do both at the same time, then it’s the very definition of a win-win! 

Which of these have you implemented in your own life? And do you have any other ideas of actions that help both your wallet and the environment?

Anna Barker

Anna is the founder of personal finance site, LogicalDollar, where she shares the advice that helped her convert $60,000 in debt into a thriving investment portfolio to help others get on the path to financial freedom.

logicaldollar.com/

In the United States, the cost of child care is a major financial burden for most families that need to send their kids to daycare at an early age. With two young kids myself, I personally know the financial burden child care can have on a family’s budget. We are very fortunate this cost only takes up about 25% of our monthly income. Many families are not as lucky with it costing up to 40-50% of their monthly budget.

Today let us explore the burden of child care costs on families across the United States and how you can save money on child care.

The Costs of Child Care

I have been paying child care bills for almost five years now and I am still in shock at how much it costs. Currently, we pay a modest $2,400 a month for two kids which is the same amount as our mortgage! This is actually fairly reasonable in the Denver area (More about how location affects child care costs coming up).

But why does child care cost so much? Recently I listened to a podcast episode from The Daily about the costs related to child care. Daycares are responsible for paying for their facilities, qualified teachers, maintenance, food, administration, and the list goes on. With limitations on kids to teacher ratios (understandably), daycares are limited to how many

The Financial Toll of Child Care

I already mentioned what my wife and I spend on child care each month. For us, this has hurt our retirement contributions. Over the years we have not been able to contribute as much as we would like to which has set us back in the long run. With one kid about to head to kindergarten next year, we should be able to start recovering from this setback (Colorado has free all-day kindergarten).

There are so many families out there who are not as fortunate as my wife and I have been. According to a survey conducted by The Penny Hoarder, 84% of parents feel overwhelmed by the cost of child care.

How to Save On Child Care

There are so many ways to save money on child care each month and year. My wife and I take advantage of a few of these to help us out as well.

1. Flexible Spending Accounts (FSA): If you are able to sign up for a flexible spending account through your work benefits, this can be a good place to save money. Why? Because your FSA contribution money comes out of your paycheck tax-free. My wife and I max our dependent care contributions out at $5,000 a year. This will save us about $1,300 a year.
2. Location, Location, Location: The location of your daycare within the town/city you live in can make a difference. For us, in Denver, it makes a huge difference. My wife and I are still taking our kids to a daycare in a part of town we no longer live in. This part of town is a very low-income part of town so the costs of daycare are a lot lower compared to where we now currently live. The difference is not a little amount either, we are saving over $1,000 a month! Wild! You might be saying, what about the quality? That is a valid question. Sure, the facilities are not as nice but we feel like everything else is better at the cheaper daycare. It has an amazing food program, great staff, and teachers, a state-certified pre-school, and is dual language. You really cannot beat the value. Moral of the story. Do not be afraid to look for cheaper options in child care. They might be just as good or even better than the more expensive options.
3. Child and Dependent Care Tax Credit: While not as valuable as an FSA but the child and dependent care tax credit is something you need to take advantage of, especially if you cannot contribute to a dependent care account.
4. Family or Friends: If you have family or friends in the area that are looking to earn some extra money, this might be an opportunity for them to do so. Some stay-at-home parents are looking for the opportunity while they are watching their own kids. This idea could be especially helpful if you do not have a traditional five-day-a-week work schedule.
5. Nanny Share: I have seen many parents on the Nextdoor app looking for other families to share a nanny throughout the week. Sharing a nanny can really cut back on the costs of child care. Just like above, this idea could be especially helpful if you do not have a traditional five-day-a-week work schedule.
6. At-Home or Church Daycares: At-home or church daycares can be cheaper than traditional child care providers. Be sure you do your research about these providers, especially for at-home ones. Some people are more comfortable with this option compared to others. You need to decide what you are most comfortable with for yourself and your kid. Growing up, at-home child care providers were the only options we had in my small town of 2,500 people. They were awesome! You can also find many providers through Care.com and SitterCity.com.
7. Kid Spacing: While a personal choice, my wife and I did take into consideration how close or apart we wanted to have our kids. Having kids closer together helps get you through the daycare system quicker. The quicker you get through this stage of life, the cheaper it will be. On the flip side, having kids really far apart (4-5 years) is another option because you will only have one kid in daycare at a time.
8. Are you a Teacher?: My wife is a high school teacher so we have worked with our child care provider to take them out in the summers. This means we do not have to pay that bill for 10-weeks of the year which saves us almost $6,000 over the summer. Wow!

As you can see, saving some money on child care takes a lot of creativity but can be really worth it to lessen the financial toll child care can have on your finances.

Last Thoughts

The last thing you need to consider is it worth sending your kids to a daycare or not? My wife and I had several conversations before our second kid came along. We talked about the financial aspect. Was it worth having one of us stay home with the kids so we did not have the daycare cost? Ultimately we decided the difference between the cost of child care and income was great enough to keep sending the kids.

Not all decisions are financial either. We thought talked about the social aspect the kids are getting. Both my wife and I enjoy our careers so we didn’t want to sacrifice those either. As mentioned before, my wife is a teacher so she gets to still have her career and spend summers with our kids. What an awesome arrangement!

What are you doing to save money on child care expenses?

Looking to earn more money? Check out our Ways to Make Extra Money page. Here you will find over 70 ways to earn more money.

Wallet Squirrel

Wallet Squirrel is a personal finance blog by best friends Andrew & Adam on how money works, building side-hustles, and the benefits of cleverly investing the profits. Featured on MSN Money, AOL Finance, and more!

www.walletsquirrel.com/

At the beginning of our homeownership journey, my wife and I had trouble answering the question, “Why refinance our mortgage?” We had a very low 3.125% interest rate, so, to me, it just didn’t make sense why we would want to spend thousands of dollars to save $20 a month. And really, that doesn’t make sense.

I seriously started looking into why we should refinance when several of our neighbors began to in the Spring of 2021. At that point, it still didn’t make sense for my wife and me because the cost-benefit ratio was not there.

Still, I was bothered by it, so I kept brainstorming about how we could benefit from refinancing our mortgage. Then one day, a brilliant idea hit me.

Before we get into my wife’s and my story, let us talk about what and why you should refinance your mortgage.

What is Refinancing?

Simply put, refinancing “refers to the process of revising and replacing the terms of an existing credit agreement, usually as it relates to a loan or mortgage.” (Investopedia). Borrowers usually seek to refinance to improve their current contract conditions. Refinancing can be done by businesses or individuals who are looking to save money somewhere.

Today we are focusing our conversation on residential home mortgages that the typical homeowner holds. Most often, these mortgages are refinanced because of lower interest rates. Another common reason for a refinance is because of a significant home value increase. The homeowner will perform a cash-out refinance to make improvements to the home or purchase more materialistic items.

Personally, in most cases, I’m not too fond of the cash-out refinance because you are taking on more debt. Our goal for financial freedom is to get out of debt, not take more on.

Of course, there are always exceptions to that statement.

Why Refinance?

There are so many reasons why people decide to refinance their mortgages. As mentioned before, the most common cause is to lower their interest rate. Locking at a lower rate can sometimes save people a couple of hundred dollars a month. Reducing your interest rate does not always make sense. For example, in 2021, we saw historic low rates that hovered around 3.00%. Spending so much money to refinance your mortgage for a 2.825% interest rate does not make sense. Depending on your situation, it might make more sense if they dropped to somewhere between 2.50% and 2.75%.

There are so many other reasons we would want to refinance, such as the cash-out option, improving your payment schedule, or changing the terms outlined in the contract. Next, we will talk about the couple of reasons why my wife and I decided to refinance.

Our Story

Now that we have a little more context of what and why to refinance, let us get back to my wife’s and my story on why we decided to refinance our mortgage.

Context

We live in the Denver Metro area in Colorado. Like a lot of the country in 2021, the housing market is going crazy! My wife and I bought this house at the beginning of the COVID-19 pandemic for $500,000, which sounds like a lot, but we were able to get the house for under asking price, a rarity in the Denver area. Just after 12 months, the value of our home had increased to $615,000! That is not a bad return in just one year, but we had no way to tap into this equity.

Our Problem

For us, it didn’t make sense to refinance to try to get a lower rate when it was going to cost us just over $6,000. We qualified for a 3.000% loan, but that would only save us $30 a month. At that rate, it would take us over 16 years to pay off the refinancing cost.

For a while, I was bummed trying to think of how we could tap into that $115,000. Sure, we could use it to accomplish some projects around the house, such as refinishing the kitchen and the bathrooms. We did not want to take on any extra debt with about $90,000 in student debt (between my wife and me). Thinking about our student loans eventually led me to my grand idea!

Grand Idea Goals: 

1. Get rid of private mortgage insurance (PMI)
2. Restructure my student loans into our mortgage.

When we bought the house, we were able to put 10% down. After the 2008 housing crash, a new law was introduced that requires homeowners to carry mortgage insurance until they have 20% paid off on the house loan. For us, this insurance costs us $67 every month. Our goal was to use some of that $115,000 to get us up to that 20% to drop the PMI payment.

Next was my student loans. Typically when you refinance to take some cash out, you should expect to pay a slightly higher interest rate. Lenders see these cash-out refinances as higher risk (The Mortgage Reports). For example, if I wanted to cash out the remainder of the $115,000 to finish our kitchen, my loan rate might be 3.125% or 3.250% instead of 3.000%.

If you intend to “payoff” your student loans with the extra home equity, this is not the case because of a Fannie Mae and Freddie Mac program. After some research, we decided to restructure my student loans into our mortgage. Let’s take a look at the pros and cons.

Our Story Conclusion

Overall, we decided to refinance to remove our $67 PMI payment and eliminate my $550 student loan payment. All of this without taking on any more debt! Our mortgage payment would go up by $90 a month, but that was okay because we still save $527 a month. We can now put this extra money into our retirement fund, which will hopefully earn four to six percent more than the three percent my student loans are costing us.

Do What Is Best For You

Every situation is different for people. My wife and I had a unique opportunity that we wanted to take advantage of. We do not plan on leaving this house for another 20-30 years, so it made sense to take advantage of the current housing climate. If the housing market crashes and we go underwater on the house for a few years, that is okay because this is our long-term primary home. It would have been different if this was a secondary home that we rent out.

The moral of today’s story is to be creative and think outside of the box. Do not over-extend yourself and your finances. Be smart.

Wallet Squirrel

Wallet Squirrel is a personal finance blog by best friends Andrew & Adam on how money works, building side-hustles, and the benefits of cleverly investing the profits. Featured on MSN Money, AOL Finance, and more!

www.walletsquirrel.com/

Saving for your child’s college expenses is no easy feat. 

On average, college tuition costs have increased by about 8% per year – that’s more than the average cost of living inflation in America, which has steadily hovered around 1% to 2% and has just recently shot to over 5%. 

Yet, many don’t seem prepared for the skyrocketing college costs.

Lack of preparation causes students to take on student loans and search for side hustles to earn extra money to pay for college costs.

To help your child – or future child – better tackle the cost of college education, here are 3 creative strategies to help save for a 529 Plan, which is one of the most popular college savings accounts.

529 Plans: What Are They?

Before we dive into the 3 creative ways to save for 529 Plans, it might be a good idea to review what 529 Plans actually are.

529 Plans are arguably one of the most popular investment vehicles to save for future college expenses. Any person can contribute up to $15,000 per year, per beneficiary. 

The contributions to a 529 Plan can be invested in the stock market. The earnings, growth, and even withdrawals will not be taxed as long as you use the money for “qualified” education expenses. 

The definition of “qualified” typically varies depending on the type of 529 Plan that you use (each state and the District of Columbia administers its own individual 529 Plan, and you can use any 529 Plan – regardless of the state you’re living in currently). 

In most cases, 529 Plan withdrawals are considered qualified if you use the money to help your child enroll and attend an accredited college, university, vocational, technical, or even elementary, or secondary school. 

Other qualified 529 Plan expenses could include room and board, tuition, electronic devices, books, meal plans, etc. 

Just keep in mind that if it is determined you made unqualified withdrawals from your child’s 529 Plan, you may incur a 10% penalty on top of paying income taxes on your withdrawals. 

The 3 Ways to Save for a 529 Plan

If you’re ready to start saving for your child’s future college costs, then keep reading to find out more about these 3 savvy strategies.

1. Ask for 529 Plan Donations Instead of Physical Gifts

This tip is the ultimate life hack if you’re looking to save for your child’s college costs. 

Have you ever heard that material goods are temporary?

Personally speaking, I don’t remember what gifts I received for my 1st, 2nd, 3rd, or even my 5th birthdays. From what I can vaguely remember was being surrounded by loved ones, and feeling at peace. 

And chances are, most children won’t remember the toys and gifts they received for their early birthdays, either. In fact, any gifts that I did receive when I was a baby were either lost, destroyed by my teething self, or recycled just after a few years. 

That’s why you may want to rethink your child’s gifts – especially during the early days. 

Instead of asking family and friends to bring physical toys and other gifts for your child’s birthday or holiday celebrations, you may want to consider asking your family and friends to gift money (any amount) for your child’s future college expenses. 

While it might sound awkward to ask for money, any gift for your child’s future college costs can and very likely will make a big, positive impact in the future, thanks to investing and compound interest. 

Your family and friends can write a check that’s made payable to your child’s 529 plan by writing your child’s name and 529 Plan account number on the check itself. 

The great news? 

Generally speaking, there are no minimum contributions for a 529 Plan, so virtually any dollar amount can help for your child’s future college costs. 

There is even more good news: Checks are not the only way to contribute to a 529 Plan… and that’s where Point No. 2 comes into play…

2. Create Your Customized Online Link to Contribute

If you have family living across the country – or perhaps across the globe – you can simplify gifting to your child’s 529 Plan by creating a free gift code URL. 

I’ll give you an example. 

One of my very best friends was planning for her future child (and yes, that included planning for the kid’s college costs!) and I was helping her prepare.

My best friend is actually from Argentina, so her family lives on a different continent. And that’s where we started searching for ways to help her loved ones easily make gifts for her future child’s college tuition. 

We were digging up information about 529 Plans when I stumbled across an online 529 gifting program (the particular program I found was called uGift).

This online gifting program enabled 529 Plan account owners (like my best friend) to establish a customized (and free) URL for her child’s 529 plan. 

This URL could then be shared with my friend’s loved ones, so they could simply click on this URL, make a gift at any time, and transfer their money securely and directly to my friend’s 529 Plan. 

To create a unique gift URL, you would first have to establish a 529 Plan and then establish the URL from within the online 529 Plan portal. 

Most 529 Plans actually already have this online gifting URL feature built into the plan itself.

However, if you’re unsure whether your 529 Plan offers such a feature, it might be a good idea to reach out to the customer service department, which should help (I called the customer service department a handful of times, to the point where they knew my name!). 

Keep in mind that each 529 Plan is different, so Ugift might not integrate with every college savings plan (as an example, Ugift only works with 529 Plans that are administered by Ascensus). 

3. Open a 529 Plan Before your Child Is Born with Your Social Security Number

The earlier you start saving for your child’s college, the better. That’s because you can leverage compound interest, which Albert Einstein dubbed as the “eighth wonder of the world.” 

If you’re looking to make an impact on your child’s future college costs, then you may want to open a 529 Plan as early as possible. 

In fact, when I was helping my best friend prepare for her future baby, we came across a similar dilemma. 

My friend, who is financially independent and very concerned about the future cost of education, was hoping to start a 529 Plan for her child as soon as possible. So, we both found ourselves sitting in her financial advisor’s office, high up on the 20-something floor, looking across the city. 

Her financial advisor mentioned that to open a 529 Plan would require a beneficiary’s (in this case, my friend’s future child) social security number. In other words, he said that she would have to wait to open the 529 Plan until her baby was born and has a social security number. 

We both thanked him for his advice and started the drive back home (which we both disliked, because of the constant stop-and-go traffic!). 

However, something didn’t sit right with me – I figured that there had to be a loophole, as there seemingly always is. 

And guess what? 

I found a loophole…. While my best friend’s financial advisor was spot-on, that you would need the beneficiary’s social security number to open a 529 Plan, what he failed to mention was that the beneficiary could always be switched to close family members – without triggering any penalties. 

What does this mean in plain English? 

My best friend could, in fact, open a 529 Plan before her child’s birth. However, my friend would just have to designate herself as the account beneficiary until her baby was born. 

So, she would have to use her own name and social security number and once the baby is born, the beneficiary could easily be switched to her child. 

Why does saving early make such a big difference? 

If you start saving for college at (or in this case before) your child’s birth, roughly 33% of funding could come from earnings on your investment (or compound interest). 

If you wait to start saving for college when your child reaches high school age, less than 10% of funding will come from earnings on your investment.  

What’s the importance here? 

If you’re serious about having a child and you want to help provide for your child’s future cost of education, start saving (and investing!) as early as possible – even if that means opening a 529 Plan in your name first. 

Your greatest advantage is time.

Closing Thoughts

While it’s never fun to consider the financial uncertainty that often comes with funding college expenses, it’s necessary to have these conversations sooner than later.

Remember that time is your best ally.

That’s why it’s critical to start these conversations with your advisor, your partner, and/or other financial professionals to determine a solid college funding game plan.

While there are other college funding vehicles, such as prepaid tuition plans, Coverdell accounts, UTMAs, and even Roth IRAs, the 529 Plan often proves to be one of the best suited to save for college. 

If you start your game plan today, your bank accounts (and your child) will thank you later. 

Fiona Smith

Fiona Smith is the Founder of The Millennial Money Woman, she’s been featured on Forbes, she’s a speaker at the national FinCon 2021 conference, and she’s a co-founder of a local non-profit charity, promoting financial literacy with underprivileged minorities. Fiona earned her Master of Science degree in Personal Financial Planning and is a self-proclaimed finance ninja. Fiona’s passion is helping others take control of their money to build a better future.

Twitter: @The_MMW

Newsletter: Fiona’s Newsletter

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