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Kristi

Kristi

Kristi Muse is a freelance writer, blogger, police officer’s wife, and millennial mom to two beautiful children. To read more about how she tries to live a balanced life, visit her website moderatemuse.com or follow her on twitter @moderatemuse.
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Other Posts By Kristi

Pet Horror Stories – Why You Need a Pet Emergency Fund

Pet Horror Stories – Why You Need a Pet Emergency Fund

This post is by our regular contributor, Kristi. Are you a cat person or a dog person? Both? Neither? Chances are, if you’re a pet owner, you will go to extreme lengths to care for your pet, including paying for both regular and emergency pet care. It seems that there are quite a few animal […]

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How to Help Friends Who are Bad with Money

How to Help Friends Who are Bad with Money

This post is written by our regular contributor, Kristi. We all have at least one friend or know someone in passing is bad with money. They complain about never having enough money for groceries, but they come in with new clothes they bought with a credit card. They laugh about not ever paying their bills […]

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Should Millennials Focus on Income or Net Worth?

Should Millennials Focus on Income or Net Worth?

Go to any financial website out there, and more often than not, you’ll find articles advising you to focus on your net worth, not your income. This expert advice stems from the reality that income doesn’t mean wealth. Someone making $500,000 can make the same poor financial choices as someone making $50,000 a year and […]

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Where Do the 2016 Presidential Candidates Stand on Student Loans?

Where Do the 2016 Presidential Candidates Stand on Student Loans?

This post is written by our regular contributor, Kristi. The 2016 Presidential Campaign is in full swing, with the Iowa caucus in the books and the New Hampshire primary taking place tomorrow. The candidates are everywhere, figuratively and literally, on the news, in the media, and even in social media trying to convince you that […]

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How a Conversion Ladder Can Help You Retire Early

How a Conversion Ladder Can Help You Retire Early

This post is by our regular contributor, Kristi. People who want to retire early, or, at least, earlier than 59 ½, worry about how they’ll be able to fund their early retirement. After all, there are huge tax disadvantages to withdrawing retirement assets early. What if I told you that there is a way that […]

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The Ultimate Tax Checklist to Help You Prepare for Taxes

The Ultimate Tax Checklist to Help You Prepare for Taxes

This post is by our regular contributor, Kristi.  Are you planning on doing your own taxes this year? You’re in luck; you have a rare few extra days to get everything in order. Because April 15, 2016, falls on Emancipation Day this year, a legal holiday in the District of Columbia, April 18, 2016, is […]

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7 Apps for Self-Improvement

7 Apps for Self-Improvement

This post is written by our regular contributor, Kristi. Admitting that you have room for self-improvement is difficult, and actually working towards self-improvement can be even harder. We don’t like to think about our shortcomings, but sometimes we need to embrace our faults and start working towards positive change. Change and the time to enact […]

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Is Rent Really Throwing Money Away?

Is Rent Really Throwing Money Away?

This post is by our regular contributor, Kristi. I’m sure you’ve heard it before, from both family and well-meaning friends alike. “Why are you renting? You’re just throwing your money away! Why not get a starter house and use your monthly housing payments as an investment in your future, instead.” Are they right, though? Is […]

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Pros and Cons of Eco-Friendly Products

Pros and Cons of Eco-Friendly Products

This post is by our regular contributor, Kristi. We all know that we should reduce, reuse, and recycle in an effort to help the planet. We’ve all been spoon fed about eco-friendly materials, products, and practices since infancy. It also seems like every big name celebrity, newscaster, and civic leader touts all of the amazing […]

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Click below to consent to the above or make granular choices. Your choices will be applied to this site only. You can change your settings at any time, including withdrawing your consent, by using the toggles on the Cookie Policy, or by clicking on the manage consent button at the bottom of the screen.

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