Kristina Byas

Kristina Byas is a seasoned personal finance writer with over seven years of experience helping readers navigate complex financial topics. Her work has been featured in well-known outlets, including Investopedia, Bankrate, Student Loan Hero, The Simple Dollar, MagnifyMoney, and CNET. Kristina is passionate about making personal finance accessible, empowering people with the knowledge they need to make confident financial decisions.

She specializes in writing about budgeting, credit and debt management, loans, and insurance. Her clear, practical approach makes even the most complicated topics easy to understand, and her goal is always to provide information that readers can apply to their everyday lives.

Specialties

• Budgeting and saving
• Credit and debt
• Personal loans
• Mortgages
• Life and auto insurance
• Student loans
• Business lending

Achievements

• B.A., English, University of Wisconsin–Milwaukee
• Copyediting Certificate, University of California–San Diego

Education

• Bachelor of Arts, Florida State University

Kristana’s thoughts on financial planning

“Smart money management is about balance—enjoying what you’ve earned today while still preparing for what you’ll need tomorrow. Spend with intention, save with purpose.”