Rachel is a professional writer, editor, and transcriptionist from Canada with six years of experience. Her personal finance work has been published in Greedy Rates and Forbes Advisor. She holds degrees in Creative Writing and Urban Studies from Concordia University. Although finances once seemed overwhelming to her, she has made great progress in her effort to demystify them. She now considers herself “very financially literate for somebody who has trouble with numbers.” Rachel’s favourite things to budget for are fancy coffee and rare vinyl records.