By signing up, you agree to our Terms of Use and Privacy Policy. You also elect to receive updates, newsletters, and offers from Personal Capital. This site is protected by reCAPTCHA, and Google’s Privacy Policy and Terms of Service apply.
Kristin Wong is a freelance writer and journalist who contributes to Get Rich Slowly, Two Cents Lifehacker and Bankrate. She also manages her own frugal living site, Brokepedia.com.