Carolyn Johnston is a Certified Financial Planner with a longtime interest in both financial matters and in writing. This book is where those two interests have come together. Carolyn is married (27 years and counting) and a mother of four adult children and has had lots of practice in finding ways to manage money effectively. Besides reading and writing, Carolyn also loves to garden and research personal family history in her spare time.

Eric Poulin is the CEO and cofounder of CalendarBudget Inc. and developer of CalendarBudget, an online personal finance manager that makes it easy to track your money and reach your financial goals. Eric learned principles of cash management from his parents at an early age, studied more on the topic, and now helps others implement these principles through CalendarBudget. Eric is the father of 5 girls and loves seeing them learn and succeed.

Robin Poulin is VP or Product Quality and cofounder of CalendarBudget Inc. an online personal money management tool. As a mother of 5 young children she is always looking for ways to save money and find great deals. She knows how to get more for her money! Robin's passion is people—helping them find success as they set their goals and work towards achieving them.

David Johnston is a graphic designer/illustrator. This is his second book—he also did the illustrations for a children's fitness program book. When he was asked (the inevitable question) at age 5, "What do you want to be when you grow up?" he replied, "An artist." His answer has never changed over the years. After high school he attended a three year college program to learn the graphic design trade and has been working in that field ever since.