Miriam Caldwell

A freelance writer who specializes in diverse areas of personal finance, including budgeting and finance for beginners since 2005. Her work has appeared on GOBankingRates and BlissfullyDomestic.com. She has appeared on BBC Radio 5.


Miriam Caldwell wrote for The Balance and Dotdash (formerly About.com) for 10 years. She worked at a bank for several years, helping people to realize when they were ready to get more serious about investing.

She teaches writing as an online instructor at Brigham Young University-Idaho.

She earned her Bachelor of Arts degree in English from Brigham Young University in 2000. 

About The Balance and Dotdash

The Balance makes personal finance easy to understand. It is home to experts who provide clear, practical advice on managing your money. Whether you’re looking to invest, buy a home, save for retirement, or achieve another financial goal, The Balance will answer your questions with straightforward personal financial advice.

The Balance is part of the Dotdash publishing family. For more than 20 years, Dotdash brands have been helping people find answers, solve problems, and get inspired. We are one of the top-20 largest content publishers on the internet, according to comScore, and reach more than 30% of the U.S. population every month. Most recently, Dotdash was named Publisher of the year by Digiday, a leading industry publication.