Erica Sandberg

About the Author

Erica Sandberg

Erica Sandberg is a consumer finance expert and journalist whose articles and insights are featured in publications such as the Wall Street Journal, Reuters, MarketWatch, Forbes, and MSN Money. An experienced media host, she's led many financial programs, including her podcast, "Adventures With Money." She's appeared on Fox, CNN, "EconTalk" and "The Dr. Drew Podcast," and has been the resident money and credit authority for KRON-4 News in San Francisco for more than 10 years. Her book "Expecting Money: The Essential Financial Plan for New and Growing Families" was first released in 2008, and the 2017 edition is out now.

Latest Posts

39 posts written/edited to date

Guide

9,248 views

11 min read

Cash Envelope System: How to Budget & Take Control of Your Finances

How the Cash Envelope System Works

Credit cards, debit cards, and electronic payments are safe and convenient tools, but when you make transactions... read more »

Erica Sandberg

By: Erica Sandberg • 1/4/23

Guide

20,520 views

13 min read

12 Lucrative Side Gigs to Make Money

12 Lucrative Side Gigs to Make Money

You want to get ahead financially, but it’s not easy. There’s only so much you can do regarding your budget, and... read more »

Erica Sandberg

By: Erica Sandberg • 1/24/23

Guide

38,448 views

9 min read

15 Bank Account Fees & How to Avoid Them

15 Bank Account Fees & How to Avoid Them

If you’re ready to open a deposit account so you can sock money away and make a variety of transactions, you have... read more »

Erica Sandberg

By: Erica Sandberg • 11/9/22

Guide

32,544 views

9 min read

Credit Union Payday Alternative Loans: What They Are & How to Get One

Payday Alternative Loans: What They Are & How to Get One

When you are in a serious financial pinch, you may consider borrowing against your upcoming paycheck. Payday loans... read more »

Erica Sandberg

By: Erica Sandberg • 10/12/22

Guide

35,464 views

13 min read

Should I File For Bankruptcy? 8 Signs

8 Signs You Should File For Bankruptcy

The U.S. Bankruptcy Code can help alleviate the pressure when you are in a desperate financial situation.... read more »

Erica Sandberg

By: Erica Sandberg • 9/1/22

Guide

70,485 views

13 min read

12 Signs of Predatory Lending

12 Signs You're Dealing With a Predatory Lender

Doing business with an upstanding lender is important when you want to borrow money. The loan cost will be kept to... read more »

Erica Sandberg

By: Erica Sandberg • 7/19/22

Guide

84,384 views

13 min read

How to Read the Fine Print of a Loan Agreement

How to Read the Fine Print of a Loan Agreement

If you’re eager to sign for a loan to get the money you need, hit the breaks and read everything involved with the... read more »

Erica Sandberg

By: Erica Sandberg • 7/1/22

Guide

100,000+ views

15 min read

Pros and Cons of Credit Card Cash Advances

13 Pros & Cons of Credit Card Cash Advances

One of the benefits of having a credit card is that you can withdraw cash from your available credit line. Called a... read more »

Erica Sandberg

By: Erica Sandberg • 5/18/22

Guide

100,000+ views

13 min read

How Rate Shopping Affects Your Credit Scores

How Rate Shopping Affects Your Credit Scores

You’ll want to identify the best deal possible, which includes getting the lowest interest rate you can qualify... read more »

Erica Sandberg

By: Erica Sandberg • 4/20/22

Guide

76,174 views

13 min read

Credit Card Piggybacking — What It Is & How It Can Help Your Credit

How Credit Card Piggybacking Can Help Your Credit

If you haven’t established a credit history or your credit scores are low due to past credit problems, getting a... read more »

Erica Sandberg

By: Erica Sandberg • 3/31/22

Guide

100,000+ views

11 min read

How Online Lending Networks Work

How Online Lending Networks Work

As a prospective borrower, one of the most important things you can do is conduct research before submitting your... read more »

Erica Sandberg

By: Erica Sandberg • 2/28/22

Guide

100,000+ views

25 min read

Requirements to Get a Loan in 2023

The General Requirements to Get Approved For a Loan

When you want to borrow money from a financial institution, one of the first things you need to know is the... read more »

Erica Sandberg

By: Erica Sandberg • 1/31/22

Guide

100,000+ views

15 min read

How Much Bad Credit Really Costs

How Much Bad Credit Really Costs

You can get approved for a credit product, in most cases, even if you have bad credit. However, a positive credit... read more »

Erica Sandberg

By: Erica Sandberg • 1/24/22

Guide

100,000+ views

11 min read

Can You Get a Home Equity Loan With Bad Credit?

Can You Get a Home Equity Loan With Bad Credit?

As a homeowner with enough equity built up in your home, you can borrow against the portion of the home you own.... read more »

Erica Sandberg

By: Erica Sandberg • 10/24/22

Guide

100,000+ views

13 min read

No Credit vs. Bad Credit — What’s The Difference?

No Credit vs. Bad Credit — What's The Difference?

Establishing good credit is important for most people. Doors swing open when you prove that you have a long history... read more »

Erica Sandberg

By: Erica Sandberg • 10/13/21

Guide

100,000+ views

11 min read

What Happens to Debt When You Get Married?

What Happens to Debt When You Get Married?

When you shift from single to married life, your financial habits and obligations shift with you. When it comes to... read more »

Erica Sandberg

By: Erica Sandberg • 9/20/21

Guide

100,000+ views

13 min read

10 Tips For Securing a Mortgage With Bad Credit in 2023

10 Tips: Securing a Mortgage With Bad Credit

If your credit is bad but you want to become a homeowner with the help of a loan, don’t abandon your dream. Credit... read more »

Erica Sandberg

By: Erica Sandberg • 8/24/21

Guide

100,000+ views

11 min read

What Happens When Debt is Sent to Collections?

What Happens When Debt is Sent to Collections?

All is well when a credit card, loan, or bill is in good standing. The companies get what they want — the money —... read more »

Erica Sandberg

By: Erica Sandberg • 7/8/21

Guide

94,952 views

11 min read

How to Compare Loan Offers in 2023

How to Compare Loan Offers

So, you want to take out a personal loan? Terrific! Plenty of lenders are ready to grant these financial products... read more »

Erica Sandberg

By: Erica Sandberg • 6/21/21

Guide

100,000+ views

9 min read

7 Signs It’s Time to Stop Bailing Your Kid Out of Debt

7 Signs It's Time to Stop Bailing Your Kid Out of Debt

Teaching children of any age about wise credit usage is smart. By their 18th birthday, they should understand how... read more »

Erica Sandberg

By: Erica Sandberg • 6/10/21