Tahnya Kristina is a Certified Financial Planner and former financial advisor turned personal finance writer. With over 17 years of experience in the investment and financial services industries, she uses her knowledge and personal experience to help people invest wisely, find insurance solutions, pay off debt and manage credit. In her early 20s Tahnya Kristina experienced her own financial hardships – so hard that she was sitting in a bankruptcy office. She gave financial advice for a living, but she couldn’t manage to get her own finances in order. After several years of living paycheck to paycheck and making minimum payments she finally decided to take her own advice – and she decided bankruptcy was not an option. She set a budget, increased her income and paid off $50k of credit card debt. Now in her late 30s, she’s a homeowner and lives a happier (more disciplined) financial life.