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Tierna Unruh-Enos

Savings and Budget Expert

Tierna Unruh-Enos holds an MA in Journalism from Prescott College in Prescott, AZ. She is a an expert in careers, budgeting and saving money. A native of New Mexico, Tierna is a communications and marketing specialist in Albuquerque. She is also a mother, a freelance writer and lover of all things green chile (there may be a few exceptions!).

Posts by Tierna Unruh-Enos:

by Tierna Unruh-Enos Nov 17, 2016

I never thought I’d write an article about what it’s like to make a career change in your 40’s. As I approach that age though and weigh the career possibilities in my own life, I realize that this is now my reality, as it is for many others. Making a career change at any age isn’t easy and doing it later in life can present even more obstacles. Here are five tips to consider if you want to successfully change careers in your 40’s. Read more

by Tierna Unruh-Enos Jan 20, 2017

Identity theft scams are rampant and it seems a new phishing scam is discovered every day. The FBI tracks different phishing scams, from those targeting students to charitable organizations. The best way to protect yourself and your identity is to be aware of scams as they arise. Sometimes these come in the form of emails or even utility bills with the goal of getting access to your money. So to avoid your vacation or retirement savings from going to fund someone’s else’s financial goals, here are some new scams to watch out for. Read more

by Tierna Unruh-Enos Jul 29, 2015

It’s never too late or too early to start saving for retirement. Obviously the earlier you start, the more of a nest egg you’ll be able to grow and the more comfortable your retirement will likely be. If you have no idea how to go about increasing your retirement fund, there are many unexpected ways you can start saving. Read more

by Tierna Unruh-Enos Jun 29, 2016

For many people, waking up is the hardest part of the day. There’s nothing that most of us would like more than to just stay in bed or add Monday to the weekend. Though we’d prefer to hit snooze or… Read more

by Tierna Unruh-Enos Sep 20, 2016

I became interested in taking a break from my career when my supervisor decided to take a year-long sabbatical with her husband to hike the Appalachian Trail. To me, it seemed brave to leave her… Read more

by Tierna Unruh-Enos Sep 15, 2016

Shopping in thrift stores has become my new favorite hobby. Although I grew up with my mother taking me to thrift stores as a kid, I didn’t really start appreciating them (and shopping at them myself… Read more

by Tierna Unruh-Enos Nov 12, 2017

If you’re looking for ways to take control of your financial life, the best way to start is by simplifying it. There are so many small ways you can create a more simple structure in your finances,… Read more

by Tierna Unruh-Enos Dec 28, 2016

Prepaid credit cards can certainly be convenient- allowing you to use them as a bank account for your child or as a debit card at a store for yourself. What’s more, you also aren’t required to have a… Read more

by Tierna Unruh-Enos Jan 20, 2017

If you’ve got significant debt and you’re only making the minimum payments, it could end up costing you much more than what you start off owing. To that end, if you’ve got enough income to make more… Read more

by Tierna Unruh-Enos Mar 01, 2018

From the time you started working and got on a payroll, you’ve been paying into the Social Security system. It’s a bit like the American government trust fund that you’ve been expecting to tap into… Read more

by Tierna Unruh-Enos Jul 24, 2018

When it comes to retirement savings and the readiness of the current workforce, most of us are nowhere near where we should or would like to be. In the case of minorities in the United States,… Read more

by Tierna Unruh-Enos Feb 12, 2020

We all know that eating at home is cheaper than eating out, although some might argue that it’s less convenient and more of a hassle to buy groceries, cook and clean up. If you know what to look for… Read more

by Tierna Unruh-Enos Dec 21, 2017

Yes, I realize this statement may not be what you want to hear if you’re in the throes of depression after losing your job. Sometimes it’s hard to see the silver lining immediately after a layoff,… Read more

by Tierna Unruh-Enos Dec 21, 2017

The diversity of language in the Unites States has changed rapidly over the past few decades. Although English is still the official and most commonly spoken language, the number of households that… Read more

by Tierna Unruh-Enos Feb 14, 2020

Student loan debt is nothing new to most of us. For many, student loan payments are just another bill we pay each month and will continue paying for a very long time. While student loans are nothing… Read more

by Tierna Unruh-Enos Nov 07, 2017

The cost of retirement is steep. A retirement calculator can give you a more exact estimate of how much you’ll personally need to save to be able to retire, but, on average, a person needs to have $1… Read more

by Tierna Unruh-Enos Jan 02, 2015

We all know the environmental advantages to carpooling and bike riding. Less carbon fumes in the air, makes it a greener mode of transportation. We also know that it can be a bit more economical as… Read more

by Tierna Unruh-Enos Sep 30, 2014

So you’ve finally gotten that much-deserved pay raise you’ve been waiting for at work. You may think this means it’s time to treat yourself for all of your hard work. Now you can buy those great pair… Read more

by Tierna Unruh-Enos Sep 04, 2014

Who hasn’t heard a horror story of a friend of someone they knew who rented their home online and it all ended disastrously? Or how about the Airbnb renter who wouldn’t leave, and is now protected by… Read more

by Tierna Unruh-Enos May 03, 2018

The sooner you can start saving for your retirement, the better. Plus, saving for your retirement is often made a lot easier with the help of an employer savings plan. However, not everyone has… Read more

by Tierna Unruh-Enos Jul 24, 2014

We’ve all done it: Charging part of, of if not all of, our vacation expenses on a credit card. You totally deserve the vacation and, if you don’t have the money up front to pay for it, you use your… Read more

by Tierna Unruh-Enos Dec 22, 2016

Buying a new house is an awesome feeling. Having that same house devalue over time or all at once due to an economic crash is devastating. We take a look at what to do if you’re upside down on your… Read more

by Tierna Unruh-Enos Nov 21, 2018

A city will pay me to live there? How is that possible, you may ask. Well, it’s true. There are cities in the United States that will pay you to live there. Will they always be your first choice for… Read more

by Tierna Unruh-Enos Apr 19, 2016

Keeping the summer heat at bay can certainly get costly at times. Apart from turning your AC off when you aren’t home or at night when it’s a bit cooler outside. There are other ways to save money on… Read more

by Tierna Unruh-Enos Jan 02, 2015

The number of people shopping online is at an all-time high. While the rest of the retail economy is still dragging in its recovery from our economic crash, the online retail market continues to grow… Read more