Lisa Rowan

The Penny Hoarder

Dear Penny is a personal finance advice column. Lisa Rowan is a personal finance writer and on-air analyst at The Penny Hoarder, and the voice behind Dear Penny. With over a decade of reporting experience, Lisa aims to offer honest, practical personal finance advice to help consumers achieve their financial goals. Lisa is a graduate of the University of Maryland and Georgetown University. She lived in Washington, D.C., for 10 years before moving to St. Petersburg in 2016.

Dear Penny: I can only afford interest on my student loans. What can I do?

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Dear Penny, I recently graduated with an associate’s degree in criminal justice. I just switched jobs, and I’m starting to pay back my student loans, but..

Dear Penny: Can we use our emergency fund to become debt-free faster?

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The impulse may be tempting, but the advice columnist cautions: Think twice.

Dear Penny: Is a cheap scooter a good replacement for my broken-down car?

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Penny breaks down the practicalities of a scooter.

Dear Penny: How do I stop living paycheck to paycheck?

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The advice columnist offers guidance to a reader seeking a path to retirement.

Dear Penny: My husband’s overspending is destroying our finances

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One solution may be talking to him about his spending priorities, the financial advice columnist writes.