Mike Chuks

Mike is a data analyst based in Niagara Falls, Ontario. He started ClearStack Finance after spending years figuring out personal finance the hard way. No financial jargon, no boring lectures, just practical money advice for people in their 20s and 30s who are still figuring it out.

Debt Avalanche vs Debt Snowball: Which Method Is Actually Better

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debt avalanche vs debt snowball comparison

If you have more than one debt, you have probably hit this question at some point: which one do I pay off first? It sounds simple but it is one of the most argued topics in personal finance. Two camps, two methods, both with real results and real advocates. This article breaks down exactly how … Read more

How to Build a Zero-Based Budget from Scratch (Complete Guide)

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how-to-build-a-zero-based-budget-featured

Most budgets fail within two weeks. Not because people are bad with money, but because the budget they built had no real structure. It was basically just a list of expenses they hoped they could stick to, with no system behind it. Zero-based budgeting is different. It is one of the few methods that actually … Read more