About Miriam Caldwell

Miriam has been working as a freelance writer since 2005. She is the Money for 20s Expert at About.com, and has written for a number of websites as well as private clients. She loves to write to help others overcome the challenges that they may be facing. She also loves hunting down deals, and breaking down the cost of things. She's happiest when she's crunching numbers, setting goals and sharing the facts that she finds with others.

Miriam graduated with a degree in English Education from Brigham Young University. This degree helped her with her writing. She has stayed current on education topics and enjoys writing lesson plans and other material designed for students. Before working as a writer, Miriam worked at a bank for several years. This gave her practice at breaking down the tough financial topics and being able to explain them to people with the most basic knowledge on the topic.