20% of Americans save little to nothing of their annual income.

Over 40% of Americans have less than $10,000 saved by retirement.

Two-thirds of Americans will struggle to scrounge up $1,000 in an emergency.

50% of American households currently live paycheck to paycheck.

80% of Americans have consumer debt.

If you fall into one or more of the above categories, you’re not alone!


Welcome to Encouragingexpositoryexcellence, your number one source for the Best Scholarships, Grants & Personal Finance.

. We’re dedicated to providing you with the very best in Scholarships, Grants & Personal Finance.



I’m Zena (Zay-Nah)!

I worked as a Certified Financial Counselor for years, which is where my financial journey began. This job equipped me with foundational personal finance knowledge that I’ve been building on ever since.

Before that job, I had $0 saved. I lived paycheck to paycheck, and my credit card debt was dangerously high. I knew nothing about credit, and, honestly, I didn’t really care. I was young, naïve, and just wanted to live my life to the fullest.

Working as a Certified Financial Counselor allowed me to speak with thousands of people of all ages who were struggling financially. I realized just how important it is to properly manage your finances, and I made a commitment to learn all that I could about budgeting, credit, savings, and more.

Within a year, I managed to pay off my credit card debt, start investing in a 401k, and save 6 months’ worth of expenses in an emergency fund. This was all in my early 20s on an average income.

In addition to my experience as a Certified Financial Counselor, I also have a Bachelor of Business Administration degree and 10 years of experience in the mortgage industry, working as an underwriter and banker. Today, I’m self-employed and run a couple e-commerce businesses.

All that to say, I’m packed full of financial and business knowledge and eager to share it with you so that you can make more informed financial decisions and reach your goals.

P.S. If you have a topic you would like me to cover, shoot me an email and I will do my best to cover it.