Tim Maxwell

About the author

“I aspire to help people improve their financial wellbeing and literacy by writing factual content that’s accessible and easy to understand.” – Tim Maxwell


Personal finance, credit cards, loans


Bachelor of Arts degree in mass communication, Fresno State University


  • Former broadcast journalist
  • Current contributor to Bankrate, LendingTree, Fox Business, MagnifyMoney and The Balance
  • Founder of Incomist, a personal finance site that teaches debt reduction through multiple sources of income


Early in his career, Tim worked in broadcast news as a “one-person band.” He was often responsible for capturing news events and interviewing subjects and witnesses on camera, before writing and editing the package for broadcast. He later worked for 20th Century Fox and NBC/Universal in various digital media capacities.

Tim is now a freelance personal finance writer and blogger with a particular focus on credit cards and consumer lending. In 2002, he stumbled upon a copy of "The Millionaire Next Door," by Thomas J. Stanley and William D. Danko, which ignited a passion for learning and sharing fact-based money principles. Tim has a passion for demystifying personal finance and helping people live their best lives.


Tim lives in the Sierra Nevada mountains, where he enjoys cycling, golfing and creating memories with his family. He also finds immense joy in cashing in his hard-earned credit card rewards. You can connect with Tim on LinkedIn.

Tim's Latest Articles

  • Should I pay my mortgage with a credit card?

    It’s possible to pay your mortgage with a credit card, but you’ll face some obstacles, namely in fees an potential interest charges. This type of payment could also impact your credit score.

    5 min read Jul 09, 2021
    Family biking outside of suburban home
  • Is deferred interest a good idea?

    Deferred interest may be a good idea if you can successfully avoid paying interest. It’s important to understand how deferred interest works and how to avoid their pitfalls, especially high interest [...]

    4 min read Jun 17, 2021
  • How to minimize the cost of a cash advance

    A cash advance is a last-resort option to get money for an emergency or unplanned expense. While a cash advance gives you quick access to cash, it comes with high interest and transaction fees. Here’s [...]

    5 min read Jun 17, 2021
  • How do credit cards work?

    Credit cards offer a convenient way to pay for your purchases, but what goes on behind the scenes?

    7 min read Jun 17, 2021
    Young woman uses credit card to make online purchase
  • Are credit repair companies a scam?

    Credit repair is often a scam, but even a reputable credit repair company won’t do anything that you can’t do on your own.

    5 min read Jun 17, 2021
    Older couple in front of laptop