About Us

Moolanomy is a personal finance blog. We discuss financial concepts in an easy to understand language to help you improve your finances and your life. Our mission is to help our readers gain control of their finances, earn more, spend less, and live better.

A Guide to Moolanomy Personal Finance

If this is your first time here, we encourage you to start with 12 Steps to Financial Freedom and Personal Finance Success. The rest of the site is organized based on the four pillars of personal finance:

  1. Income Management – Earn more through your job, passive income, business, and investing.
  2. Debt Management – Pay off your bad debts. Leverage good debts wisely.
  3. Expense Management – Spend less and make smart spending decisions.
  4. Asset Management – Invest your money, manage risks, and build wealth.

You can see these categories on the sidebar.

About Pinyo

Pinyo BhulipongsanonPinyo Bhulipongsanon is the owner of Moolanomy Personal Finance, a REALTOR® servicing Northern Virginia and Maryland, and an entrepreneur with over 20 years of business experience. He is passionate about business management, investing, and wealth management.

You can follow him on LinkedIn, Facebook, and Twitter.

A Brief History about Pinyo

I graduated from Cornell University with about $30,000 in debt (about $20,000 in student loans and the rest in credit card debt that my parents accumulated to send me to school).

Since I was not able to get into a medical school, I started working in 1996. In Asian culture, it is typical for the oldest son to live with his parents. Thanks to this, I was able to save a large portion of my income each year, and it helped me get an early jump on my building my finances.

I paid down the $30,000 debt as fast as I could, and I also started to invest in the stock market soon after the debts were paid off. Two years later and with considerable help from my parents, I bought a house. Yes, I went from paying almost no living expenses to paying for the mortgage and everything in the house except food (which my parents paid), BUT this was an excellent financial move.

Over the years, I have risen up the corporate ladder, worked as an executive in a small company, started my own business, bought several rental properties, and managed several investment portfolios. I am currently working as a Realtor® servicing Northern Virginia and Maryland areas.

My current goal is to turn this blog into a book, and here is the starting point:

12 Steps to Financial Freedom and Personal Finance Success


Our Writers

Kevin MulliganKevin Mulligan is a debt reduction champion with a passion for teaching people how to budget and stay out of debt. He’s building a personal finance freelance writing career and has written for RothIRA.com, Discover Bank, and many others.

Miranda MarquitMiranda Marquit is a professional personal finance journalist. She is a contributor to several personal finance web sites. Her work has been mentioned in and linked to from, USA Today, The Huffington Post, The San Francisco Chronicle, The New York Times, The Wall Street Journal, and other publications. She also has her own blog at Miranda Marquit.

Tisha TolarTisha Tolar (Senior Writer) is a co-owner of Trifecta Strategies LLC and the author of Gen X. When she is not busy being a fiction writer, she writes personal finance articles for several web sites, including Moolanomy.com.

Mark RiddixMark Riddix (Writer) is the founder and president of New Horizons Financial Management, an independent investment advisory firm that provides personalized investing and asset management consulting. Mark is a regular contributor to Seeking Alpha and has written financial columns for Baltimore and Washington, D.C. area newspapers. Mark publishes his own financial blog, BuylikeBuffett.com (no longer active)

Emily Guy BirkenEmily Guy Birken (Writer) is a freelance writer, recovering English teacher, and stay-at-home-mom. She lives in Lafayette, Indiana, with her mechanical engineer husband and infant son. Her musings on life and parenting can be found at The SAHMnambulist.

John SchroederJohn Schroeder (Writer) is a personal finance blogger who enjoys writing about passive income, debt-free living, and financial independence. He also enjoys sharing his experiences in raising a family on a single income, while his wife stays home with their two children. Aside from writing about money, he is an avid runner and enjoys spending time outdoors with his kids.

All Authors

Media Mentions

Moolanomy has been cited as one of the top personal finance blogs by these sites:

In addition to having our site mentioned, or our articles published, on sites like MSN Money, US. News Money, American Express Currency, and Lifehacker.

Here are some additional mentions of our site.