About My Savings Tips

Hi there! Welcome to My Savings Tips, the little corner of the internet where I combine my passion for smart money choices with actionable advice to help you feel empowered about your finances. Think of me as your savings-savvy friend who’s here to make saving, investing, and living within your means not just doable, but enjoyable.

My Story

Well, let's start off, first, with who I am. I'm Vishal Tiwari - the finance half of PowerDuo. Visuals (3).png Let’s be honest—money management isn’t always fun, glamorous, or straightforward. For years, I felt like I was constantly “almost” getting it together: setting up budgets that never stuck, getting excited about saving—then dipping into it by mid-month. Sound familiar?

I started My Savings Tips not because I’m perfect with money, but because I’ve finally learned what works in real life—and I wanted to share those lessons with anyone who’s felt stuck, overwhelmed, or just plain over it.

Make Every Dollar Do Something Good.

My mission is to help you build a relationship with money that feels empowering, not exhausting. I share budgeting strategies, beginner-friendly investment insights, and everyday frugal living tips that are designed for people with full lives and imperfect days.

The Three Ways I Help You Build Financial Confidence

I break everything down into three categories so you can focus on what matters most to you:

Budgeting Strategies – Learn how to take control of your spending without feeling restricted. Think flexible frameworks, mindset shifts, and systems you’ll actually use.
Investment Insights – If the world of stocks, funds, and long-term planning feels intimidating—I get it. I explain the “how” and the “why” in plain English, grounded in real research, not TikTok trends.
Frugal Living – Frugality doesn’t mean sacrificing joy. It means spending with intention. I share small, practical ways to cut costs and reduce waste while still living well.

Meet the People Behind the Tips

While I write most of the content here, I occasionally collaborate with a small network of experts and contributors—women who are financial planners, savvy budgeters, behavioral economists, or just insanely clever at making every dollar count.

Every contributor is chosen not just for their credentials, but for their ability to explain smart money moves in a way that’s clear, kind, and practical. We’re here to help you feel confident making decisions that improve your day-to-day.

Theo Lam

Managing Editor

Theo is the voice behind the scenes, making sure every article hits the sweet spot: clear, honest, and genuinely helpful. With a background in journalism and fintech, he’s part storyteller, part strategist, and a full-time believer that financial advice should make sense and feel good to read.

Macy Vergara

Editor, Budgeting & Everyday Money

Macy has a background in financial coaching and a not-so-secret love for color-coded lists. She’s helped hundreds of people build budgets that don’t fall apart by week two. She writes the kind of advice you’d get from a friend who really gets it—calm, helpful, and surprisingly motivating.

Daniel Reyes

Investment Writer

Daniel believes investing doesn’t have to be intimidating—you just need the right guide. After years in the world of asset management, he left the suits and jargon behind to write for everyday investors who want real results without the overwhelm. He’s a spreadsheet guy with a creative streak, a vintage watch collector, and a loyal fan of long, slow mornings with the business section and a black coffee.

Amira Collins

Frugal Living Contributor

Amira grew up in a home where saving wasn’t a sacrifice—it was a skill. Now, she brings that mindset into everything she writes, whether she’s breaking down DIY hacks, testing no-spend challenges, or showing you how to host a dinner party on a dime. She lives in Philly, thrives on thrift store treasure hunts, and swears she can turn leftovers into a three-course meal with the right playlist.