Tawnya Redding

Tawnya is an elementary special education teacher by day and co-blogger at Money Saved is Money Earned by night. She holds an Honors BS in Psychology from Oregon State University and an MS in Special Education from Portland State University and has had a pretty successful writing career, first as a writing tutor at the Oregon State University Writing Center, and in recent years, as a freelance writer. Tawnya and co-blogger Sebastian have a wealth of knowledge and information about personal finance, retirement, student loans, credit cards, and many other financial topics. They teach people how to save money money, save money, and understand money.

personal loans

Start Taking an Interest in Interest: Personal Loans

Personal loans are a big category, and can vary greatly depending on the type of loan. However, there are some basic things to keep in mind when you are looking at taking out personal loans, and as always, understanding that interest is key to Money Earned through Money Saved. Technically, everything already mentioned (mortgages, credit …

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credit card interest

Start Taking an Interest in Interest: Credit Cards

Now let’s talk about credit cards, the loans that most people will pay interest on. Credit cards are a little different because they are revolving credit, meaning that the amount of credit extended can be borrowed again once paid. They are also different in that the interest on any balance carried is charged daily. Yes, …

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mortgage interest

Start Taking an Interest in Interest: Mortgages

First up is mortgages, the type of loan where you’ll pay the most interest. With a mortgage, people often make the mistake of thinking that their payment is going mostly to the principal. WRONG! Especially in the beginning, a significant portion of your payments go toward the interest, not the principal! You may not know …

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consumerism

How to Shift Your Mindset From Consumerism to Frugalism

The Mindset There is a fundamental truth that everyone must understand before they can truly accept and unlock the keys to many of the ideas presented here on Money Saved is Money Earned. Our world is built on consumerism. Consumerism is an economic ideology that encourages the insatiable acquisition of goods and services, with the …

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