Author: Roshan Yadav

Roshan Yadav is the founder and lead writer at Teermo, a personal finance blog focused on practical budgeting, frugal living, and small-space life for renters and moderate-income households across the U.S. He has spent years tracking regional rent data, testing budgeting apps and cash-flow systems, and translating government economic data into advice that works for real people in 2026. His writing draws on primary sources — BLS CPI reports, Federal Reserve surveys, Census Bureau housing data — and direct hands-on testing. Roshan's work has helped thousands of readers close the gap between what they earn and what they keep. Reach him at themodouge@gmail.com.