Miriam Delgado

Miriam “Miri” Delgado is a debt-payoff strategist and personal finance writer who helps households get traction when every month feels like a juggling act. Raised in San Antonio in a lively multigenerational home and now based in Denver, Miri learned early that money is a family conversation—part math, part feelings, part logistics. She studied Public Policy with a focus on household economics and started her career at a community nonprofit, where she sat across from nurses, delivery drivers, and new parents creating first-ever budgets and calling lenders together.Those years shaped her voice: warm, specific, and anchored in doable routines. Miri is best known for turning messy situations into step-by-step action plans—bill batching, cash-flow calendars, “true minimums” for survival months, and debt ladders that balance momentum with interest math. She writes the way she coaches: with scripts you can copy, checklists you can finish in 20 minutes, and gentle nudges that prevent backsliding when life gets loud.Her columns cover hardship programs, negotiating medical bills, rebuilding credit after a rough patch, and designing a savings “shock absorber” so the next flat tire doesn’t detonate your plan. Outside of work, she hikes Front Range trails, runs a Sunday tamale swap with neighbors, and restores thrift-store furniture one patient sanding session at a time. Miri believes progress is built from tiny wins repeated, and that a plan you can keep on a Tuesday night beats any spreadsheet that only works on paper.