Nicole Dieker has been a full-time freelance writer since 2012, with a focus on personal finance and habit formation. Her work regularly appears at Bankrate, Vox, Haven Life, and CreditCards.com; she's also written for Lifehacker, Popular Science, NBC News, and more. Dieker spent five years as a writer and editor for The Billfold, a personal finance blog where people had honest conversations about money, and is the author of Frugal and the Beast: And Other Financial Fairy Tales.