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Nicole Dieker

  • Personal finance
  • Habit formation
  • BA in Music, Theatre Minor, Miami University
  • MFA in Theatre, Illinois State University


  • Ten years of personal finance writing experience, with stories published on Vox, The Simple Dollar, The Penny Hoarder, Lifehacker and more
  • Five years writing and editing The Billfold, a personal finance blog where people had honest conversations about money
  • Author of Frugal and the Beast: And Other Financial Fairy Tales


Nicole Dieker has been a full-time freelance writer since 2012—and a personal finance enthusiast since 2004, when she graduated from college and, looking for financial guidance, found a battered copy of Your Money or Your Life at the public library.

In addition to writing for Bankrate, her work has appeared on, Vox, Lifehacker, Popular Science, The Penny Hoarder, The Simple Dollar and NBC News. Dieker spent five years as writer and editor for The Billfold, a personal finance blog where people had honest conversations about money. Dieker also teaches writing, freelancing and publishing classes and works one-on-one with authors as a developmental editor and copyeditor.

Nicole Dieker’s debut novel, The Biographies of Ordinary People, is a Millennial-era Little Women that follows three sisters from childhood to adulthood. Dieker is also the author of Frugal and the Beast: And Other Financial Fairy Tales, in which she reworks classic fairy tales to highlight their hidden financial lessons.

"The more you know about credit cards, the better equipped you'll be to make choices that work out in your favor – whether you're taking advantage of your credit card grace period to avoid interest charges, using a 0% intro APR credit card to fund a vacation or redeeming your credit card rewards at their maximum value. Credit is a powerful tool, when used wisely – and as a person who's been writing about personal finance for a decade, I hope to provide you with the tools to make as many wise decisions as possible."

— Nicole Dieker

Nicole's Latest Articles

  • women holding laptop in lap

    How does cash back work?

    Learn about different types of cash back cards, how to use your rewards and more.

    6 min read May 10, 2022
  • woman paying for lunch with a credit card

    What is considered an excellent credit score?

    You can maintain good credit by practicing responsible financial habits, such as making on-time payments, but it takes some credit card savvy to lift your credit score from good to excellent.

    4 min read May 09, 2022
  • Small business owner

    How does business credit affect personal credit?

    Many people don’t realize that some credit card issuers report business credit card accounts to the consumer credit bureaus—which means that the way you use your business credit card could raise or [...]

    5 min read May 06, 2022
  • hair salon owner taking inventory

    Ink Business Preferred Card benefits guide

    The Chase Ink Business Preferred card includes many business-friendly travel benefits, but those aren’t the only Ink Business Preferred benefits available to you.

    5 min read May 04, 2022
  • store owner talking on the phone behind the store counter

    Is the Chase Ink Business Preferred worth it?

    The Chase Ink Business Preferred offers 3X points in several categories with a reasonable $95 annual fee. Find out about the other benefits this card offers before you decide if it’s worth it.

    4 min read May 03, 2022