Sarah Chen combines her background as a CPA (certified public accountant) with a passion for financial education, specializing in making tax strategies and money management accessible to working families. After spending eight years at a mid-size accounting firm preparing taxes for clients ranging from minimum-wage earners to small business owners, she discovered a passion for writing.
As a freelance tax preparer and financial writer, Sarah focuses on helping people maximize their tax refunds and available credits.
Sarah's articles emphasize practical solutions for real-world financial challenges.
Landing your first real job feels like winning the lottery, especially when you see that salary number on your offer letter. But before you start planning your dream apartment or…
The gig economy isn't just for twenty-somethings anymore. Whether you're looking to pay down debt faster, build up savings, or fund that kitchen renovation, a side hustle can provide the…
Student debt has become one of the biggest financial challenges facing American families today. With the average borrower owing around $37,000 and total educational debt exceeding $1.7 trillion nationwide, it's…
Health insurance might seem like one of those "boring adult things" you can skip when you're young and healthy. Many people discover, however, that understanding your options early can save…
Balance transfers can be powerful tools for tackling credit card debt, though they won't make financial problems disappear overnight. When you use them strategically, they create a golden opportunity to…
Nobody plans to drown in debt, but life has a way of throwing curveballs. Job loss, medical emergencies, divorce, or even just the gradual accumulation of high-interest credit card balances…
Credit counseling sounds like it should be straightforward – you need help with debt, they help you manage it. But the reality is messier. Some credit counseling services are genuinely…
When you're juggling multiple monthly payments across credit cards, personal loans, and other debts, debt consolidation can feel like a lifeline. The idea of combining everything into one simple payment…
A debt management plan (DMP) can consolidate multiple credit card payments into one manageable monthly payment while potentially reducing interest rates and fees. Many people discover this option provides a…
Staring at a pile of bills and feeling overwhelmed? You're not alone. According to Experian, the average American carries around $104,215 of debt across mortgages, auto loans, student loans, credit…