Ella Vincent
Ella Vincent is a staff writer for Kiplinger Personal Finance who has written about finance for five years. She currently writes for the Family Money, Basics, and Credit/Yields columns.
Ella graduated with a Bachelor of Arts degree in English from the University of Illinois at Chicago. Ella started in finance writing as a freelancer and interviewed female financial experts. She focused on covering topics related to empowering women with their finances. Ella wrote about stocks and company earnings reports as a writer for IG Group and Motley Fool. Ella wrote about personal finance topics such as retirement, employment, and credit for Yahoo Finance. Those articles reached hundreds of thousands of readers online and were shared widely on social media. She was lauded by the Certified Financial Board for her article highlighting the growing diversity of the financial planner profession. She was also noted by Aspiritech, an autism spectrum organization that helps people find employment, for her article highlighting workers with autism. In addition to writing about finance, Ella enjoys reading, watching basketball games ( especially her hometown Chicago Bulls) and going to concerts. She also enjoys spending time with her family and doing charitable work with various non-profit organizations.
Latest articles by Ella Vincent
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7 of the Best Budgeting Apps for 2026If you're searching for a great budgeting app, here are our top picks.
By Ella Vincent
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Do You Need Umbrella Insurance?Umbrella insurance can protect you from financially devastating events that aren't covered by other policies.
By Ella Vincent
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How to Organize Your Financial Paperwork for Your HeirsA guide to organizing your financial paperwork so heirs have any easier time getting affairs in order.
By Ella Vincent
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3 Ways to Lower Your Child Care Costs in 2026Working parents can take advantage of tax breaks and local assistance programs.
By Ella Vincent
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New Ways to Use 529 PlansTax-free withdrawals from 529 plans could help you sharpen your job skills.
By Ella Vincent
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Is Direct Primary Care Right for Your Health Needs?With the direct primary care model, you pay a membership fee for more personalized medical services.
By Ella Vincent
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Smart Ways to Share a Credit CardAdding an authorized user has its benefits, but make sure you set the ground rules.
By Ella Vincent
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Tip: Ways to Track Your Credit Card RewardsHere are the best strategies and apps to help you stay current with your credit card rewards.
By Ella Vincent
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Rising Home Prices and Mortgage Rates Can Make This Insurance More RelevantIt's been hard to avoid private mortgage insurance in an era of rising home prices and higher mortgage rates.
By Ella Vincent
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Should You Renew Your CD?With rate cuts impacting earnings, we examine if now is a wise time to renew CDs.
By Ella Vincent
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Four Big Airport Rule Changes for FlyersChanges are afoot for domestic flights — and for some international trips, too.
By Ella Vincent
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Credit Score News Could Help First-Time HomebuyersLenders who sell mortgages to Fannie Mae and Freddie Mac used to only be able to use FICO for loan qualification. Now there's VantageScore, owned by the three major credit bureaus.
By Ella Vincent
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Smart Strategies for Paying Your Child an AllowanceBy giving your kids money to spend and save, you’ll help them sharpen their financial skills at an early age.
By Ella Vincent
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How to Calculate Your Adjusted Gross Income — and What It MeansIncome Tax Your eligibility for certain money-saving tax breaks depends on your adjusted gross income.
By Ella Vincent
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This Is How Much You'll Pay to Share Streaming ServicesIt now costs more to share streaming services with family members who don't live with the account holder. Here's what Netflix, Amazon, Hulu and Disney+ charge.
By Ella Vincent
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Think Twice Before Getting a Credit Card Cash AdvanceA credit card cash advance can be a quick solution when you need emergency help with money. But you'll pay for the convenience with high interest and fees.
By Ella Vincent
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This Might Be What Your Retirement Portfolio Is MissingYou can supplement your retirement nest egg or save for other goals with a taxable brokerage account.
By Ella Vincent
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Kiplinger's Best Banks for High-Net-Worth Clientswealth management These banks welcome customers who keep high balances in deposit and investment accounts, showering them with fee breaks and access to financial-planning services.
By Ella Vincent
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How to Find Deals on Electronics Amid TariffsBeat tariff-related price rises and find deals on electronics using these expert shopping tips for everything from smartphones to TVs, laptops and tablets.
By Nellie S. Huang
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How to Find Deals on Travel in 2025Finding deals on travel is an excellent way to cut costs in 2025, as tariffs start to bite. Here are three suggestions for lowering the cost of your next trip.
By Nellie S. Huang
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Strategies to Spend Less on Clothing and Online Shopping in 2025It's easy to spend less on clothing and other goods when shopping online. Arm yourself with these expert tricks and tools that will help you grab a bargain.
By Nellie S. Huang
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Three Ways to Spend Less on Groceries This YearMore of us are looking to spend less on groceries this year, as tariffs affect food bills. Here are three smart ways to keep grocery costs down.
By Nellie S. Huang
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Valuable (and Fun) Things You Can Get for Freeho doesn't love a freebie? From birthday pancakes to fun activities for kids and courses for adults, here's the lowdown on getting valuable goodies for nothing.
By Nellie S. Huang
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Three Ways to Find Deals in Your Investments This YearLooking for ways to save because of tariffs? Don't forget to look for deals in your investments. Here are three expert tips for making a little extra this year.
By Nellie S. Huang
