About the Author: Roshan Yadav

Hi — I’m Roshan Yadav, the founder and lead writer at Teermo.

I started Teermo because I got tired of personal finance advice that assumes you’re already comfortable. Most budgeting guides are written for people with six-figure salaries, no student debt, and a house they bought ten years ago. That’s not most of us.

What I Write About

I cover the intersection of budgeting, frugal living, and small-space life — specifically for renters and moderate-income households navigating the real cost of living in 2026. That means:

• Budgets built around actual rent prices, not hypothetical ones
• Frugal strategies that don’t require giving up your entire quality of life
• Side hustles and income ideas grounded in what actually pays in today’s gig economy
• Small-space and apartment hacks that don’t require owning the place

How I Research

Every article I write is built on primary data — Bureau of Labor Statistics CPI reports, Federal Reserve consumer finance surveys, U.S. Census Bureau housing data, and CFPB consumer guidance. I cross-check figures before publishing and revisit articles when economic conditions shift.

I also test the tools I recommend. If I write about a budgeting app, I’ve used it. If I describe a cash-stuffing system, I’ve run it. You won’t find recycled advice on Teermo — just things I’ve verified work in the real world.

Editorial Standards

I take accuracy seriously. All statistics on this site are cited to named sources. When data changes, I update articles and note what changed. For the full picture, read our Editorial Policy.

Get in Touch

Have a question, a tip, or found an error? I read every message. Reach me at themodouge@gmail.com or through the Contact page.

All content on Teermo is for general educational purposes. It is not personalized financial advice. Please consult a qualified financial professional for advice specific to your situation.