Jana Lynch


jana lynchJana graduated from the University Delaware in 2001 with a Master’s Degree in Urban Affairs and Public Policy. After spending nearly a decade in social services, Jana switched careers to freelance writing and editing. She fell into personal finance almost by accident, after the birth of her daughter inspired her to take better control of her own money.

A tireless advocate for financial abuse survivors, she’s worked with best-selling authors and websites including The Penny Hoarder, ChooseFI, Frugal Rules, The Dollar Stretcher, Marcus Garrett (of Paychecks and Balances), Brynne Conroy (of Femme Frugality), and The Plutus Foundation, where she also served as the Director of Grants and Programs for four years. 

To learn more, connect with Jana on LinkedIn.

How to Fire a Client: 6 Tips for a Polite Breakup (with Script)

Early in my freelance writing career, I had a client who demanded I provide all of my financial information to him as a condition of our contract. The information he wanted, which included my annual income, my mortgage amount and interest rate, and how much I had in savings, had nothing to do with the…

Jana Lynch 19 Nov

How to Take Your Brick-and-Mortar Business Online

In the wake of the COVID-19 pandemic, more and more businesses are struggling to stay afloat. While big-box stores and well-known brands have managed to survive, it’s been particularly challenging for traditionally in-person service businesses. After all, how do you provide personal training or therapy or dog grooming online? And how do you earn money…

Jana Lynch 15 Jun

Empower App Review 2023: Pros, Cons, and Key Features Explained

I love a good, versatile accessory. The kind that works for any occasion. That’s how I feel about my favorite lightweight cardigan. It’s a great layering piece in the winter. I can wear it over sleeveless shirts in the summer. If I sit in some mustard at my boyfriend’s family barbecue, I can tie it…

Jana Lynch 11 Jun

What Is a Debt Relief Service? The 3 Types Explained

According to a recent survey, approximately 300 million Americans have some form of debt.[1] That’s a lot of people — and a lot of debt. What if you want to take control of your debt and figure out how to pay it off? Books, websites, and even personal finance podcasts can help, but many people…

Jana Lynch 05 Jun

All Star Cheer Costs a Fortune, but I Pay for It Anyway. Here’s Why

I’m a pretty frugal person by nature. I use coupons when I remember them, mostly keep to a budget, occasionally participate in no-spend challenges, and have an overall handle on what I’m doing with my money. Plus, there’s not a whole lot I like to spend money on. Food allergies keep me eating at home,…

Jana Lynch 24 Feb

25 Programs to Get Free Money From the Government

If you’re facing a job loss, disability, underemployment, or other factors that make it difficult to support your family, you’re not alone. According to U.S. Census data, 38.1 million people were living in poverty in 2018.[1] That doesn’t include the families living above the poverty line who struggle to pay their bills and put food…

Jana Lynch 17 Nov

Chime Review 2023: A Simple Option for Checking, Saving and Credit Building

Chime is a financial technology company, not a bank. Banking services provided by, and debit card issued by, The Bancorp Bank or Stride Bank, N.A.; Members FDIC. Online banks have become increasingly popular thanks to their lower fees, higher interest rates, and 24/7 access. Not only that, you can bank from the comfort of your…

Jana Lynch 04 Feb

20 Safe Ways to Make Money as a Kid

Whether it’s to buy a new video game, AirPods, or just to feel like they have their own spending money, every kid wants their own cash. My 13-year-old spends a lot of time talking about jobs she’s going to have when she’s older. What she doesn’t realize is that there’s plenty of ways for her…

Jana Lynch 07 Oct

Discover Bank Review 2023: Safety, Rates & Account Options

I don’t ask for much in a bank. Basically, I want my money to be safe, and I’d prefer not to have to pay exorbitant monthly fees to access my cash. It’d also be helpful if I could get some cashback or earn more interest than a mere $0.02 per statement (or less). You’d think…

Jana Lynch 24 Sep

HealthyWage Review: Earn Up to $10,000 With a Weight Loss Bet

If you’ve ever tried to lose weight, you know how difficult it can be. From avoiding temptations, to having no support network, to decreasing motivation, losing weight is often a frustrating, lonely process. Not to mention how expensive it can get. What if there was a way you could find support and motivation along with…

Jana Lynch 29 Sep