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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

  • Apple Card

    Guide to Apple Card

    Everything you need to know, from requirements to how to use Apple Pay.

    6 min read Jan 21, 2022
  • Couple listening to financial advisor at home with laptop

    What does 0% APR mean?

    Zero percent APR offers provide an attractive way to buy now and pay later.

    7 min read Jan 21, 2022
  • customer paying with credit card

    Is no credit better than bad credit?

    Generally, having no credit is better than having bad credit, though both can hold you back. Luckily, there’s a way out.

    6 min read Jan 19, 2022
  • The best cash back apps of 2022

    Pairing a top cash back credit card with a popular cash back app can help you save money on groceries, clothing, restaurants and more.

    4 min read Jan 16, 2022
  • Mother and pre-teen son sit together on bed working on laptop and tablet

    How to help your kids build credit

    Parents have many options, from debit cards and prepaid cards to secured credit cards and making their child an authorized user. Which is best?

    8 min read Jan 14, 2022