Meet Your Guide
Hi, I'm Lynae Thomas
I'm a personal finance educator and the creator of SteadySpend. After struggling with my own finances in my 20s—living paycheck to paycheck despite a decent income—I became obsessed with understanding where money goes and how to make it work better.
Today, I help everyday people take control of their spending without complicated spreadsheets or restrictive budgets. My approach is practical, judgment-free, and based on real experience.
From Financial Chaos to Clarity
In 2014, I was earning a good salary but had nothing to show for it. Credit card debt was growing, I had no emergency fund, and I dreaded checking my bank account. I felt embarrassed and stuck.
The turning point came when an unexpected car repair put me $2,000 deeper in debt. I realized I needed to completely rethink how I handled money. I read every book, took courses, and spent years testing different approaches.
Within three years, I paid off $28,000 in debt, built a six-month emergency fund, and finally felt in control. But more importantly, I discovered what actually works for regular people—not the overly complicated systems that financial experts love.
I started SteadySpend to share what I learned. Every article, tool, and resource here comes from real experience and genuine testing—not just theory.
Why You Can Trust My Advice
Formal education combined with real-world experience helping people just like you.
Bachelor's in Finance
Formal education in financial planning and analysis
Certified Financial Educator
Accredited to teach personal finance fundamentals
10+ Years Experience
Helping individuals and families manage their money
1,000+ People Helped
Through workshops, coaching, and content
What I Write About
I focus on the fundamentals that make the biggest difference for everyday people. No get-rich-quick schemes or complex investment strategies—just practical money management.
Featured On
My work and insights have been featured in various personal finance publications and podcasts.
• Guest contributor to personal finance blogs
• Podcast interviews on budgeting strategies
• Workshop facilitator for community organizations
• Regular Q&A sessions with readers
Transparency & Trust
I believe in being completely honest about what I share and why.
- All advice is educational, not financial advice
- No affiliate links without disclosure
- Fact-checked and regularly updated content
- Transparent about personal experiences
- Easy to contact with questions
Disclaimer: The content on SteadySpend is for educational purposes only and should not be considered professional financial advice. I'm a financial educator, not a licensed financial advisor. Always consult with a qualified professional for advice specific to your situation.
Have Questions?
I love hearing from readers! Whether you have a question about an article, want to suggest a topic, or just want to say hi—I'd love to hear from you.
Send Me a Message