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Sally Herigstad

  • Personal finance
  • Taxes
  • Credit
  • Debt
  • Southwestern Adventist University
  • Portland State University


  • “To Her Credit” columnist at for 10 years
  • Retired certified public accountant
  • Author of “Help! I Can’t Pay My Bills” (published by St. Martins Griffin)
  • Real estate broker in Washington state
  • Helping people take control of their finances since 1998 by writing for sites including,, Natural Intelligence, LendingTree, U.S. News & World Report, and Motley Fool


Sally Herigstad is a personal finance writer, columnist, author and retired CPA. She wrote a column called “To Her Credit” for 10 years, answering readers’ questions about credit, debt, finances and family relationships, and more. With a background in public accounting, she joined the personal finance team at Microsoft in 1998. She has been working to help people take control of their finances ever since. Sally writes for popular online sites, and speaks to groups about personal finance and life goals.

Sally took most of her undergraduate courses at Portland State University, and graduated from Southwestern Adventist University in 1987. She worked in public accounting before taking a job at SCS Compute as a tax software developer. She worked on the Microsoft TaxSaver and Microsoft Money teams before writing “Help! I Can’t Pay My Bills” for St. Martin’s Press. She has been a freelance writer since 2003.

No matter what your financial situation looks like – or how it got that way – it’s never too late to turn things around. I teach people how to find out where they stand financially right now, make the most of what they have, set financial goals and take steps toward reaching those goals. You have far more options in life when you have control of your finances. You can take charge of your money – and your life.

— Sally Herigstad

Sally's latest articles