Erica Sandberg

Erica Sandberg is a nationally recognized personal finance expert. She started her career at Consumer Credit Counseling Service of San Francisco, helping individuals refine their budgets and prepare for the future, then led the agency with advanced trainings and media attention. Her book, Expecting Money: The Essential Financial Plan for New and Growing Families, has been published in two editions. As host of the KRON-4 television show, Making it in San Francisco, she focused on highlighting the economic strategies residents could take to live and work in the notoriously expensive city. Today Sandberg is an independent journalist who contributes advice columns and financial stories to top-tier news outlets.

How to consolidate credit card debt

Consolidating credit card debt has many benefits, including expedited payment, reduced interest costs, simplified account management and credit improvement. Here’s how to do it.

Do you have to pay taxes on CD interest?

Earnings from a CD are considered to be income, so you’ll pay income tax on them unless you hold a CD in a tax-deferred account.