Julie Bawden-Davis is a widely published writer specializing in personal finance and business. Since 1985, her work has appeared in many publications, including American Express OPEN Forum, Forbes.com, The Los Angeles Times, SuperMoney.com, Entrepreneur, Debt Help.com, Mint.com and Credit Sesame.com. She has a degree in journalism from California State University, Long Beach and worked professionally as a bookkeeper for a large drugstore retail chain for several years.