Gina Roberts-Grey is an award-winning writer for numerous print publications and websites, including Family Circle, Essence, Woman’s Day, Glamour, MSN, Fox Business, Entrepreneuer.com, CreditSesame.com, NextAvenue.org, InvestingAnswers.com, and many others. For more than 13 years she’s covered credit, debt, personal finance, credit cards and home, auto, life and health insurance, helping readers save money on their premiums, dig out of debt and learn how to put their credit cards to work for them. She resides in upstate New York with her husband, son and three Bichon Frises. Connect with Gina via Twitter at @GinaRobertsGrey or her website www.GinaRoberts-Grey.com.