Miriam Caldwell Education: Brigham Young University-Idaho Location: Raleigh-Durham, North Carolina Expertise: Budgeting, Personal finance Freelance writer with more than a decade of experience specializing in diverse areas of personal finance, including budgeting and finance for beginners. Has been cited by major financial institutions.Currently serves as a teacher in English and writing for both public schools and higher education. Experience Miriam Caldwell is an expert in educating people about budgeting and personal finance basics. In addition to The Balance verticals, where she shared her knowledge on basic personal finance subjects, Caldwell's work has been published by GOBankingRates and BlissfullyDomestic.com. Financial institutions have also turned to Caldwell as an expert source for their personal finance educational content. Caldwell currently teaches writing as an online instructor at Brigham Young University-Idaho. In addition, she teaches students of the Wake County Public School system in Cary, North Carolina.Prior to becoming a teacher and freelance writer, Caldwell student English from Brigham Young University-Idaho. Education Miriam earned her bachelor of arts in English from Brigham Young University-Idaho in 2000. About The Balance The Balance, a Dotdash Meredith brand, makes money easy to understand. We give people tools they need to not only make smart financial decisions but also prepare for the experiences they will have along the way. Our team of expert writers and editors have extensive qualifications in the topics they cover, and many of them have MBAs, PhDs, CFPs, and other advanced degrees and professional certifications. We require our writers to use primary sources in their articles, which are also approved by our Financial Review Board and fact-checked. You can learn more about the standards we follow in producing accurate, unbiased content in our editorial policy.