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Miriam Caldwell is a North Carolina-based writer specializing in personal finances. Miriam has written about everything from budgeting to managing your money while married. She loves helping people understand the ins and outs of managing their money. She has a Bachelor of Arts in English from Brigham Young University. With more than 12 years of experience, her writing as appeared online at TheBalance.com, About.com, and BlissfullyDomestic.com.