About SmartMoneyDaily

Who writes here

My name is Kkuma Park. I’m an independent writer and developer based in Seoul, South Korea. I’ve spent more than a decade in IT, built a handful of small software products, and along the way accumulated a list of personal experiments, mistakes, and hard-won notes that turned into this blog.

After clawing my way out of $40,000 in credit card debt while working a 9-to-6 IT job in Seoul, I started SmartMoneyDaily as the resource I wish I had when I was broke. Every post here is rooted in numbers I actually ran on my own spreadsheet, not recycled talking points.

What SmartMoneyDaily is for

SmartMoneyDaily is my working notebook on personal finance. Every article here exists because I needed the answer myself at some point and couldn’t find a version I trusted.

I try to follow three rules on this site:

1. Write from experience, not summary. If I haven’t actually done it, I won’t pretend I have.
2. Show the numbers. Where real data, tests, or costs are useful, I include them.
3. Update when I’m wrong. If I learn that an earlier post was inaccurate, I fix the post and add a note.

How I run this blog

• Posts are published on a regular schedule.
• I use AI tools (such as ChatGPT) to help with drafting structure and outlines, but every published post is reviewed, edited, and fact-checked by me before it goes live.
• Affiliate links, when used, are marked. I only link to products I have actually used or would genuinely recommend.
• Ads on this site come from Google AdSense once my site is approved. Ads help keep the site free to read.

Get in touch

Questions, corrections, feedback, or collaboration ideas are welcome.

Email: kkumaspark@gmail.com

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