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Sarita Harbour is a former financial advisor and banker. She holds the Personal Financial Planning Designation through the Institute of Canadian Bankers, a designation equivalent to the CFP, as well as a B.A. Honors in Psychology from the University of Guelph. With over 12 years of banking experience plus another 10 years as a personal finance and business writer creating content exclusively for online audiences, Sarita's work appears on some of North America's most well-known sites such as Forbes, Investopedia, TIME/Money, plus numerous financial institution and insurance web sites. When she isn't writing, Sarita is busy homeschooling her youngest two of seven children, gardening, chasing her chickens, and homesteading off the grid.