Sarah Mitchell - FinQuarry

About Sarah Mitchell

Sarah Mitchell – Financial Data Analyst
Sarah Mitchell holds an MBA in Finance and has over 7 years of experience as a credit risk analyst and financial researcher. She specializes in credit scoring, debt management, and FinTech evaluation. Sarah has authored multiple research reports analyzing consumer finance trends and translates complex financial concepts into clear, practical insights accessible to both professionals and everyday readers.

Articles by Sarah Mitchell

44 articles

Budgeting 3 min read

Why Tracking Expenses Feels Hard: The Psychology Behind Financial Monitoring

Expense tracking feels hard because of effort-reward imbalance, emotional aversion, decision fatigue, and delayed feedback. Learn psychological strategies to make…

Mar 13, 2026

Budgeting 3 min read

Why My Budget Never Works: Understanding Persistent Budget Failure

When a budget never works, the problem is structural — not personal. Learn to identify method-person mismatches, income-expense gaps, emotional…

Mar 13, 2026

Budgeting 3 min read

How to Fix a Broken Budget: A Step-by-Step Recovery Plan

A broken budget is information, not failure. Learn the 4-step budget recovery process: diagnose the failure mode, establish your financial…

Mar 13, 2026

Money Psychology 10 min read

Why Saving Feels Hard Psychologically: The Mental Barriers Between Earning and Keeping Money

Saving money feels hard because of present bias, hyperbolic discounting, and temporal self-discontinuity — not willpower failure. Learn the cognitive…

Mar 13, 2026

Money Psychology 9 min read

How Past Experiences Shape Money Behavior: The Psychology Behind Financial Patterns

Past experiences shape money behavior through deeply encoded money scripts — unconscious beliefs formed during childhood financial flashpoints. Learn the…

Mar 13, 2026

Money Psychology 9 min read

Mental Accounting Explained: How People Categorize Money and Why It Leads to Irrational Financial Decisions

Mental accounting is the cognitive process of assigning money to subjective categories — violating the principle of fungibility. Developed by…

Mar 13, 2026

Money Psychology 8 min read

Money Habits and Behavioral Patterns: How Automatic Financial Behaviors Shape Long-Term Outcomes

Money habits are automatic financial behaviors governed by the basal ganglia that shape long-term financial outcomes more than any single…

Mar 13, 2026

Credit & Debt 9 min read

Best Credit Cards of 2026: Top Picks for Rewards, Cash Back & Low Interest

Compare the best credit cards of 2026 for cash back, travel rewards, balance transfers, and low interest rates. Our expert…

Mar 9, 2026

News & Insights 1 min read

Stablecoin Demand Shocks Trigger Unexpected Declines in Short-Term Treasury Yields

Digital assets are no longer just speculative trading vehicles; they are actively altering the plumbing of traditional macroeconomic systems. According…

Mar 7, 2026

Fintech Index 34 min read

How to Evaluate PEX for Mobile Expense Reporting

Evaluating PEX for mobile expense reporting requires testing the platform’s card-first workflow model against your organization’s spend patterns, accounting integration…

Feb 14, 2026

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