Kristin McGrath

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In her career as an editor and writer, Kristin McGrath has covered everything from personal finance, to politics, to arts and entertainment. She most recently worked as an editor for Bankrate Insurance, tackling topics like coverage questions and complex policy clauses.

Previously, she worked as managing editor of Louie, a small monthly magazine in St. Louis. She also spent a year covering entertainment for USA Today's Life section, interviewing actors, musicians and American Idols.

Kristin holds a master's degree in Journalism and Public Affairs from American University in Washington, D.C. She has had the same credit card for nearly 10 years and admits she's sometimes afraid to use it.


Kristin McGrath's blog posts at

  • Stores are tracking your every move via your cellphone

    As Black Friday of 2011 approached, two shopping malls (one in California and one in Virginia) announced plans to track holiday shoppers via their cellphone signals as they moved from store to store. The backlash from consumers was swift, and both malls canceled their plans. Score one for privacy, right? Actually, probably not. Since then, […]

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  • 2 credit card marketing tactics that make me squeamish

    Because I work for a card comparison site, friends and family often assume I’m a credit card proponent. But that’s not always accurate. Because I learn about debt and its consequences all day every day, I accept that certain people should steer clear of plastic. Plus, editing stories about deciphering sales pitches, researching rewards programs […]

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  • How complex is your financial life?

    I spent a lot of time debating getting a second credit card. It wasn’t because the credit line would tempt me. It was because I didn’t want another bill to worry about, another account to manage, another statement to check. In other words, I didn’t want to make my financial life more complex. Still, you […]

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  • Could you go a year without spending? These roommates are trying

    “Spending fasts” and no-spend challenges are a staple of the personal finance advice world. The idea is to cut down on discretionary spending for a certain amount of time (often as little as a day) except for ┬ánecessary bills. When done regularly, no-spend challenges can give your wallet a break, help you bulk up your […]

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  • How much is lunch costing you?

    As I’ve tried to cut my living expenses in various ways over the years, there remains one stubborn habit that’s hard to kick — going out to eat for lunch. At my worst, I was buying lunch every day (my workplace had a cafeteria) to the tune of about $7 per day. Now, I buy […]

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  • Is financial independence a requirement for adulthood?

    At what age did you become financially independent? If you’re a part of the millennial generation (between 18 and 31 years of age), research suggests you’re more likely to answer that question with, “Oh, I’m still working on that.” Actually, if you’re like a lot of millennials I know, you might answer, “Hey, do YOU […]

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  • Study: Being poor hijacks your brain

    Think about how well you function after a night of no sleep. Chances are, your day will be filled with slip-ups, forgotten tasks and an inability to concentrate on more than one thing at a time. Being poor, new research from Princeton University has found, affects you the same way. The paper, “Poverty impedes cognitive […]

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