Erica Sandberg

Erica Sandberg is's "Opening Credits" expert columnist. While she addresses a host of questions from readers on a variety of topics, her primary focus is on helping those new to the credit world, be they students, immigrants or young adults. Got a question? Ask Erica.

Sandberg is also a prominent personal finance authority and author of "Expecting Money: The Essential Financial Plan for New and Growing Families."

Prior to launching her own reporting and consulting business, she was affiliated with Consumer Credit Counseling Services of San Francisco where she counseled individuals, conducted educational workshops, and led the media relations department.

Posts by Erica Sandberg

Living with credit

How the humor of debt can set you free

Debt tends to make people unhappy, anxious and grumpy, but sometimes laughing at how we got into our financial holes can relieve the stress and show us new ways to start chipping away at all that we owe. Making light…
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Living with credit, Protecting yourself, Shopping

Charge a series of spa treatments to protect yourself

If you’re like most people (me included), you want to look and feel your best. You also may want to get the best deal by signing up for a package of wellness services. What’s wrong with that? If your first…
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Living with credit, Protecting yourself

I lost my wallet, panicked – and figured out what to do next

As I do every year, my daughter Lili and I attended the San Francisco Ballet’s production of “The Nutcracker.” This time my friend joined, and my mood was perfect; buoyant. Until … Well, it started at intermission. I gave Lili…
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Living with credit

The rich friends dilemma: 6 ways you can help each other

My dear friend – I’ll call her Megan – is rich. And I mean really, really rich. After making a mint in the market, she’s now enjoying the high life. Megan’s children, now adults, are financially independent, so she’s free…
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Living with credit, Protecting yourself, Travel

What to do if your upcoming trip is in a disaster area

You’ve dreamed, prepped and paid for a special getaway, and it’s finally on the horizon. Then a natural disaster hits. Instead of packing, you’re glued to the news, tracking hurricanes, witnessing heroic rescues from the rubble of earthquakes and watching…
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