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Kira Botkin

Kira is a longtime blogger and serial entrepreneur who enjoys gardening, garage sales, and finding stray animals. She lives in Columbus, Ohio, where football is a distinct season, and by day runs a research study for people with multiple sclerosis. She hopes that the MoneyCrashers team can help you achieve your goals and live a great life.
Credit Card Debt Reduction

Credit Card Debt Reduction Story: How I Got My Minimums Reduced

For those of you who are on the uphill road of getting out of debt and working towards the light at the end of the tunnel, paying off credit cards can feel like it...
College Degree Not Valuable Without Skills

Is A College Degree Valuable Without Job Skills?

When you're entering college at 17 or 18, you're often encouraged to broaden your horizons and pursue what interests you. But is that a good plan for long-term career success? Unfortunately, this type of...
Outlet Malls Worth It

Are Outlet Malls Worth It?

When I was a kid, I remember going to the outlet mall, the promised land where I would actually be able to buy stuff with my own money because it was so cheap. I...
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8 Great Songs about Personal Finance

Rock stars didn't start out rich, and they often bring a certain mindset about money and finances to their songwriting. Believe it or not, some of their songs offer some really interesting perspectives that...
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5 Tips To Get Your Friends To Be Frugal With You

Many studies have shown that we tend to do things based on the examples set by our friends. When our friends overeat, we overeat, and when our friends overspend, we feel like it's more...
Debt Addiction Defined

What Is Debt Addiction?

For many people, our personal demons show up in many areas of our life, including ourĀ finances. Some of us try to make ourselves feel better by buying things we don't need, ignoring our money...
Shopping Conscience Need

You Need a Shopping Conscience

I enjoy the "thrill of the hunt" when shopping, but sometimes by the time I've gotten home, I can't even remember what items I bought, nor why I thought they were a good idea!...
Be Good Friend While Broke

How To Be A Good Friend While Broke

  If you've had a major financial change lately, it can be hard to transition to a more frugal lifestyle, especially if going out with friends frequently includes dropping $50 or more. Believe me, I've...