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Erica Sandberg

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Erica Sandberg

Erica Sandberg is a nationally recognized credit and money management authority with 15 years of experience delivering personal finance and industry information to consumers, businesses, the media and in courts of law. During her tenure at Consumer Credit Counseling Service of San Francisco, she helped thousands of individuals and families improve their economic standing, led countless educational seminars and acted as the agency's primary public relations spokesperson.

Today, as a journalist and expert, Erica's articles and insight are featured in such publications as The Wall Street Journal, Money Magazine, New York Daily News, Redbook, Bank Investment Consultant, Men's Health, Fox Business News, and She is a City Brights writer for the San Francisco Chronicle's online edition, SFGate, and a columnist and reporter for A regular television and radio commentator, Erica is a frequent guest on Bay Area networks, as well as such national news outlets as ABC News GoodMoney, CBS MoneyWatch, PBS Nightly Business Report and Forbes Video Network.

Prior to her work in consumer finance, Erica taught English and literature in several Northern California high schools. She holds a B.A. in Art History from San Francisco State University, a certificate in personal financial planning from University of California, Berkeley, and a certificate in consumer credit counseling. Erica is a member of the Society of American Business Editors and Writers and the National Society of Newspaper Columnists, and sits on the advisory board for Change Starts at Home.


Erica Sandberg's articles at

Widow could be responsible for husband's card debt

If your spouse dies and leaves behind credit card debt, there are some instances when you could be responsible for paying it off …

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Cards aren't evil, just not right for some

Credit cards are designed as payment tools for what you can afford. But do you sometimes feel these plastic squares are out to get you?

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Build a rainy day fund for fun as well as emergencies

If you look at emergency funds as a way to pay for “emergency fun” as well as disasters, you will enjoy saving the money more …

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How to get out from under a cash advance

When you owe money from a cash advance, you need to make some hard choices: Pare down your costs, step up your income, or both …

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Hiding a card from your partner may not be worth the risk

Before you open a new credit card without your partner’s knowledge, consider the risk if you are discovered …

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