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Author Archive 10 Posts

Helena Cross

Salt Lake City, UT
Helena Cross writes about the outdoors, fitness, and adventure travel from Salt Lake City, a place where the mountains are literally in her backyard. A former collegiate cyclist and a certified personal trainer, she blends athletic experience with a deep appreciation for the mental health benefits of movement. Helena’s Writly articles cover gear reviews, training plans for weekend warriors, and accessible ways to explore public lands. She’s a Leave No Trace trainer and has volunteered on trail maintenance crews across Utah. After a serious injury ended her competitive career, Helena became passionate about adaptive sports and now writes about inclusivity in the outdoor industry. She believes nature is for everyone, and her work reflects that mission.

Financial Consulting By Helena Cross

How to Read an Insurance Policy Without Missing Exclusions

The practical way to read an insurance policy without missing exclusions is to slow the process down and check each moving part…
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Financial Consulting By Helena Cross

How HSAs Fit Into a Retirement Strategy

HSAs Fit Into a Retirement Strategy describes a financial habit or product feature that can affect cost, risk, and future options. Understanding…
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Financial Consulting By Helena Cross

Time Horizon and Investing: Why Your Timeline Changes Everything

Time Horizon and Investing questions usually come down to timing, risk, and account details. The right answer depends on the reader’s goal,…
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Financial Consulting By Helena Cross

Student Loan Debt vs Consumer Debt: Why the Strategy Changes

Student Loan Debt vs Consumer Debt: Why the Strategy Changes is a decision about trade-offs, not a universal winner. The strongest choice…
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Financial Consulting By Helena Cross

How to Budget for Quarterly and Annual Expenses

The practical way to budget for quarterly and annual expenses is to slow the process down and check each moving part before…
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Financial Consulting By Helena Cross

What Happens If You Only Pay the Minimum on a Credit Card

If You Only Pay the Minimum on a Credit Card describes a financial habit or product feature that can affect cost, risk,…
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Financial Consulting By Helena Cross

15-Year vs 30-Year Mortgage: Payment vs Total Interest

15-Year vs 30-Year Mortgage: Payment vs Total Interest is a decision about trade-offs, not a universal winner. The strongest choice depends on…
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Financial Consulting By Helena Cross

The Best Ways to Borrow for a Major One-Time Expense

The Best Ways to Borrow for a Major One-Time Expense describes a financial habit or product feature that can affect cost, risk,…
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Financial Consulting By Helena Cross

Authorized User Accounts: When They Help and When They Hurt

Authorized User Accounts questions usually come down to timing, risk, and account details. The right answer depends on the reader’s goal, the…
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Financial Consulting By Helena Cross

Cash Management Accounts vs Traditional Savings Accounts

Cash Management Accounts vs Traditional Savings Accounts is a decision about trade-offs, not a universal winner. The strongest choice depends on how…
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