Reena Thomas
Finance Writer and Editor
Reena Thomas, Ph.D., is a freelance finance writer and editor. With over a decade of experience in publishing, she's edited content across personal finance, healthcare, and education. Previously, she worked for Bankrate, CreditCards.com, NurseJournal, Voyager Expanded Learning, and Rockefeller University Press. She also taught as a tenure-track college English instructor after receiving her doctorate.
Education
Reena holds a Ph.D. in English Literature from the University of Arizona. She received her Master's in English Literature from the University of Dallas, and her Bachelor's in English Literature from Cornell University.
Articles by Reena Thomas
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Provisional credit: What it is and how it works
Provisional credit is a temporary deposit a bank posts while it investigates a disputed electronic transaction, then makes permanent or reverses after review.
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What is tail spend and how do you manage it?
Tail spend management involves tracking and controlling low-value purchases that often fall outside managed procurement, such as office supplies and software.
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Budget management: A practical guide for finance teams
Budget management is the ongoing process of planning, tracking, and adjusting business spending so actual results stay aligned with financial goals and plans.
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What is vendor management? Stages, tools, and tips
Vendor management is the ongoing process of overseeing the third parties that supply your goods, software, and services so you can control costs and risk.
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EBIT vs. EBITDA: Key differences explained
EBIT subtracts depreciation and amortization from operating profit, while EBITDA adds them back, which changes how each metric reflects cash flow and valuation.
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International per diem rates 2026: A complete guide
International per diem rates are State Department daily allowances for lodging, meals, and incidentals abroad, updated monthly and varying widely by city.