BUDGETING

Temperance Winfield graduated with a Business Management Degree from the University of Texas at San Antonio. She is now a Freelance Writer, and is able to assist the economically challenged individual with the knowledge she has gained from over 20 years of work in the corporate world as a supervisor and manager in areas of health insurance, medicare, life insurance, personal budgeting, mortgages, bankruptcy and foreclosure. In her spare time, her passions are dogs, baking and literature. You can reach her at temperancewinfield@yahoo.com.

My name is Karen Townsend Schmidt. I am a proud wife and mother. I work as a research specialist and writer. I possess a degree in Criminal Justice/Law Enforcement. I teach budgeting and finance classes. My number one priority is my family. I enjoy writing, traveling, cooking, dancing, kissing, did I say dancing? I like to do stand up comedy

Chelsea Fitzgerald is a writer who enjoys researching articles about various topics including, travel, health, family issues, budgeting, green living, home decorating and crafts. She majored in education at the University of Arkansas at Monticello and the University of Memphis. After attending the medical assisting program at Draughons Junior College in Memphis, she worked in the medical field for 21 years before pursuing her dream of becoming a writer.

Marie L K Powers holds an MBA in Finance and BA in English-Creative Writing. She has worked in the investment field for the past seven years and has a strong interest in personal finance and budgeting. A creative soul by nature, Marie owns Honey Willow Designs where she designs her own jewelry, hair accessory, and home decor line in her spare time. Other passions include writing, photography, cooking, crafts, do-it-yourself, technology, healthy living, and travel.

I have been a teacher for 15 years. I have worked with grades 5-12 throughout my teaching career. I currently teach junior high Social Studies and absolutely love it. Lately I have taken an interest in personal budgeting and finance. I have been following the YNAB budget program and have been working to pay off all outstanding debt. My husband and I are both graduates of Ouachita Baptist University. I also have taken a number of graduate classes at Henderson State University and am currently working on my Masters degree at Arkansas State University.

Lisa Earl recently became a stay-at-home mom after nine years in the corporate world. She enjoys budgeting, organizing, and helping others learn to live on one full-time income.

Lisa is a writer, designer, programmer and fitness instructor. She holds a bachelor's degree in history and an associates in computer technology. Lisa has taken classes in several languages, along with classes in economics, computers, statistics, history, creative writing and journalism, web design and programming. Lisa has a wonderful, supportive husband, and is a mom of three very busy kids. She has always had a passion for writing and loves to help people learn how to coupon and budgeting to help families use their money wisely. Interests also include photography, hiking, web site design, politics, and scrapbooking.

Jennifer Bowen is a freelance writer / blogger who likes to discuss personal finance, budgeting, parenting, life hacks, organization and sports. Jennifer’s work as appeared on sites such as SeattlePI.com, Examiner, Sports Illustrated (Si.com), Gawker Media, Divine Caroline and more. Jennifer lives in Washington with her husband, 3 boys and two dogs.

Retired Soldier. Provides free debt counseling and budgeting classes. Returning college student

I have extensive experience as a content producer and have written on numerous topics including wedding planning, health and fitness, cooking, interior and home decorating, business and family budgeting. In addition to writing articles for publication, I also maintain my own blogs. I have a simplistic approach to writing that is engaging. My tone always speaks to the reader and not "at them". A self professed discoverer of all things that nurture the soul and don't clutter the closet; I enjoy promoting the unique.

The Jenny Pincher (Jenny Kerr) is an expert author, consultant, blogger and social media professional. She loves living a flexible lifestyle and spends most of her time reading, gardening and trying new recipes she has cooked from scratch. Jenny is passionate about helping people save money and blogs about it on her Jenny Pincher site. She has taught her self-developed "Basics of Budgeting" course throughout the St. Louis area. Visit her site at http://thejennypincher.com to get her free ebook and 7 day budget program.

University graduate with a Masters in Public Administration I have worked for the private industry and the Federal government in finance and budgeting. I have travelled and lived overseas and accross the eastern coast of the United States.

Over 20 years of senior management experience in budgeting, planning, ERP customization (SAP, PeopleSoft), and internal control (COSO).

I received my masters degree in social work in May, 2000. I am a licensed social worker. I work with children with disabilities and adults with substance abuse issues. I truly enjoy my work. I also enjoy reading, writing, developing recipes, planning and budgeting. I like problem solving then helping others by offering ideas and suggestions.

Mother of 5 who works in the court system and has years of law enforcement and corrections experience, as well as parenting, budgeting and family manegement skills.

Hi. My name is Karen Townsend Schmidt. I am a proud mother and wife. I am a research specialist and writer. I operate a womens savings group and teach budgeting and computer classes. I love to write television shows and series. My family is my life and I love being with and doing things with them. I do stand up comedy. I like swimming and dancing.

Over 8 years experience in project management and coordination. Experience in budgeting, business development and management, conference and trade show logistics, and marketing.

Colleen is a Cafe & Bakery owner, Entrepreneur, Freelance Writer, & Blogger. She has had 2 Years of Food Service Training, 30+ Years catering experience, and is a Wilton Cake Decorating Graduate (all levels). Colleen has 30+ Years Bakery & Cake Decorating Experience, and is a private cooking instructor. She has also volunteered her cooking lessons to women in shelters and programs for disadvantaged families. Colleen's main interests are interior decorating, DIY home improvements, food preparation, crafting, and entertaining. Her favorite areas writing topics include homemaking, gardening, frugality, crafts, cooking, and recipes, saving money, budgeting, home economics, and celebrating the holidays or any special occasion. When she has spare time Colleen enjoys crafting beads with polymer clay, jewelry designing, baking, and experimenting with recipes to create delicious meals for friends and family.

Currently working in the social service field where I educate clients on proper nutrition, budgeting, and provide an array of direct services as well as community referrals. Have worked in this field for over ten years.

Successful, motivated International healthcare professional, with 14 years of diversified experience in the areas of Project set-up right from Foundations, Organizational development, Administration, strategic planning, budgeting, systems design, & operations, International

I am an engineer by education and a banker by trade, with pretensions of being a writer. My interests and expertise include investing, budgeting, credit, and other aspects of personal finance, as well as entrepreneurship, marketing, and technology.

Hello! My name is Melanie. I love blogging and shopping. I also love budgeting and saving money!

Leisha "Lei Lei" Patterson has planned and serviced many occasions and provided culinary needs for many. She is knowledgeable about all areas of planning, decorating, as well as budgeting. She has been cooking, baking and planning parties for the past seven years. She became

Samantha enjoys writing about financial topics including investing, budgeting, financial goals, etc. She has a degree in Accounting and enjoys painting, reading, writing, and spending time with friends and family.

Experienced Manager-17 years in Sales and Marketing, Channel management, Business Development, Customer Service, Logistics & Distribution, Budgeting, ISO 9001, Warehousing, Stores and Inventory Management.

Not quite a desperate housewife, but almost. I am a recently transplanted southern girl now living up north with lots of things to write about. Topics of interest and potential expertise: family budgeting, newly married to the military, cooking, entertaining and book revie

A Mensa member. International expertise. Energetic and aggressive. 19 years experience in leadership, troubleshooting, budgeting, management. After 3 years of writing, publishing first novel and screenplay.

I am a Business Graduate with over 30 years of multi-functional experience including financial management,internal audit, budgeting and budgetary control, cash management. Worked as Secy Audit Committee. I have lived in India, Pakistan, Bangladesh & Nepal

I am a person who has varied interests in writing. I like to do writing on budgeting, money, health and also nutrition.

MBA with 6 years of experience. Strengths include: quantitative methods, financial statements, financial analysis, budgeting, cash management, modeling and internal and external reporting. Priorly with leading public accounting firm