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  • “To Her Credit” columnist at for 10 years
  • Retired certified public accountant
  • Author of “Help! I Can’t Pay My Bills” (published by St. Martins Griffin)
  • Real estate broker in Washington state
  • Helping people take control of their finances since 1998 by writing for sites including,, Natural Intelligence, LendingTree, U.S. News and World Report, and Motley Fool


Sally Herigstad is a personal finance writer, columnist, author and retired CPA. She wrote a column called “To Her Credit” for 10 years, answering readers’ questions about credit, debt, finances and family relationships, and more. With a background in public accounting, she joined the personal finance team at Microsoft in 1998. She has been working to help people take control of their finances ever since. Sally writes for popular online sites, and speaks to groups about personal finance and life goals.

Sally took most of her undergraduate courses at Portland State University, and graduated from Southwestern Adventist University in 1987. She worked in public accounting before taking a job at SCS Compute as a tax software developer. She worked on the Microsoft TaxSaver and Microsoft Money teams before writing “Help! I Can’t Pay My Bills” for St. Martin’s Press. She has been a freelance writer since 2003.