Ellen Chang

I'm a freelance journalist who writes about energy, business and personal finance. Follow me on Twitter @ellenychang.

Recent Articles By The Author

Why Going to Urgent Care Is Better Than the ER

Why Going to Urgent Care Is Better Than the ER

For a sore throat or a minor scrape, going to an urgent care will save you time and money.

Can You Skip a Car or Mortgage Payment?

Can You Skip a Car or Mortgage Payment?

Negotiating with the lender at the first sign of trouble could help consumers receive a reprieve.

Alternatives to Buying COBRA Insurance

Alternatives to Buying COBRA Insurance

Most healthy employees do not need the extensive coverage that COBRA provides and should simply buy insurance from the marketplace.

Retirement Savers Should Resist the Bitcoin Lure

Retirement Savers Should Resist the Bitcoin Lure

The problem with owning bitcoin, especially as part of a retirement portfolio, is that it is not a long-term investment.

How Millennials Can Boost Their Credit Score

How Millennials Can Boost Their Credit Score

Consumers can easily boost their credit scores by paying their bills on time each month.

Is It Smart to Always Use Cash?

Is It Smart to Always Use Cash?

While using cash can help consumers avoid being trapped in debt, throwing away all your credit cards could be a mistake.

Hackers Look to Step Up Their Game During March Madness

Hackers Look to Step Up Their Game During March Madness

As the hype surrounding March Madness increases, consumers and employers should be prepared for the surge in cyber attacks.

How WhatsApp Plans to Generate Income

How WhatsApp Plans to Generate Income

Facebook's WhatsApp should increase the timeline on monetizing its messaging apps, says CEO Mark Zuckerberg.

Save on Taxes with a Health Savings Account

Save on Taxes with a Health Savings Account

Funding health savings accounts is a way for individuals to pay a lower amount of taxes each year.

How Does Rent-to-Own Work?

How Does Rent-to-Own Work?

Renting-to-own allows individuals to boost their credit score and apply their rental payments toward the down payment for the home. But there are also risks.