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Tori Rubloff

Senior Editor, Personal Finance
  • 100+
    Articles edited
  • 9
    Years of experience
Ribbon Icon EXPERTISE
  • Personal finance
  • Financial planning
  • Budgeting
Education Icon EDUCATION
  • B.Ed. in Education, University of Florida
  • M.A. in Mass Communication, University of Florida
  • Poynter ACES Certificate in Editing

About the author
Tori Rubloff is a senior editor at Bankrate, where she manages staff reporters, copy edits feature articles, drives content strategy and oversees production of data-driven, timely content that empowers readers to make informed decisions about their finances. She is passionate about creating purposeful content that educates readers on navigating significant life milestones, which has led her to specialize in content centered on personal finance, higher education and professional development.

Previously, she has worked as a data storyteller and content manager for various publications and clients including ZDNet, The Motley Fool, FinanceBuzz and Acceptance Insurance. Her work has been cited by media including CNBC, CNN, Bloomberg, CBS News, NBC News, Forbes, Rolling Stone, The Washington Post, MarketWatch and Business Insider.

Outside of work, Tori enjoys bullet journaling, exploring Washington D.C.’s restaurant scene, cooking elaborate dinners and meditating daily.

Tori beyond Bankrate

Study: The Average Millennial Achieves Financial Independence at This

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How to improve your mental health and resilience in the workplace

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Tori wants you to know
When it comes to managing your personal finances, small steps add up over time, and staying organized has long-term pay-offs. My favorite tool is Notion — a free app where you can build customizable, visual dashboards that keep your financial information all in one place. Here’s how I use it to track my financial habits and hold myself accountable for meeting my goals — and how you can do the same:

In my Notion dashboard, I list my financial goals at the start of the year. I use these goals as my “north stars” to inform the financial actions I take in the months ahead, and I cross them off as I complete them.
I set up monthly budget in the form of a pie chart, with designated targets for: fixed expenses (housing, cell phone bill, etc.), discretionary expenses (food delivery, events/experiences, travel, etc.) and savings and investments. (If you're not sure how to balance these categories, the 50/30/20 rule is a good place to start.)
Looking at the amount I can allocate toward savings and investments, I determine how I want to divvy that amount into each of my sinking funds. For example, A% can go into my 401(k), B% can go into my IRA, C% can go into my emergency fund and D% can go into my housing fund.
Within my Notion dashboard, I also link to external Google spreadsheets, where I track my net worth growth over time, monthly contributions to my savings and investment accounts, as well as week-to-week spending.

With all of this information in front of me, it makes it easy to reflect on my financial progress and habits. Then, I can determine any areas where I want to adjust my spending/saving strategy as the year goes on.

You can 'make your money work for you' by being intentional with your money habits and strategic with your money placement.

— Tori Rubloff

Tori's Picks

Money next to flashing sirens
12 MIN READ

Bankrate’s 2025 Annual Emergency Savings Report

Nearly 1 in 4 Americans have no emergency savings, according to a new Bankrate survey.

Older man with glasses sits on a couch next to a younger woman with curly hair. They are looking at official paperwork on a coffee table that also contains a calculator. There is an image of a large compass behind their heads and an blue arrow pointing from lower left to upper right.
12 MIN READ

Navigating Now: How to save for the future when you don’t make enough today

Economic uncertainty is making it harder for low-income Americans save.

A large house. Blaring sirens juxtaposed
7 MIN READ

Bankrate’s 2025 Home Affordability Report

While most homeowners are happy with their choice, many feel some level of remorse.

Image of a pair of open scissors with a U.S. dollar bill lying between the blades ready to be cut.
8 MIN READ

How much could you cut spending? Economic concerns have some Americans setting a ‘no-buy’ rule

Amid today’s high cost of living, some are making temporary cuts to “fun” spending.

Closeup of a hand turning a dial with a house and a stack of cash in the background
10 MIN READ

Study: Americans need a six-figure salary to afford a typical home in nearly half of U.S. states

This is the salary you’ll need to afford a typical home in your state.

Person standing on front porch while holding a broom
7 MIN READ

“Middle class” feels more confusing than ever. Here’s how you can avoid being caught in the middle

Middle-income Americans often don’t feel financially secure, despite their salaries.

Unrealistic portrayal of four women in front of life-sized coin collecting Mason jars
10 MIN READ

26% of working women are leaving free money on the table that could set back their retirement

Despite progress in recent years, there’s still a gender gap in retirement planning.

Piggy bank with doctors equipment. Cute and comical
7 MIN READ

I’m a personal finance reporter — here’s how I did a mid-year financial checkup in under an hour

A mid-year checkup is the most effective way to ensure my finances are on track.

Tori's latest articles