Cheryl Lock, Credit.com About the author:
Cheryl Lock is a writer and editor whose work has appeared in dozens of publications, both in print and online. She was a money editor at Parents magazine before leaving to launch the inaugural parents vertical for the personal finance website Learnvest. You can find other stories of hers online at Money, The Fiscal Times and Business Insider, as well as in magazines like Woman's Day, Runner's World and Family Circle. She currently lives in Denver with her husband and daughter.
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