Our expert panel

Mary Hunt is the bestselling author of more than 23 books, including Debt-proof Living. She is also the founder of Debt-proof Living (Debt Proofliving.com), a consumer organization dedicated to helping people manage their money. Frugal living and personal finance expert Lauren Greutman is the author of The Recovering Spender. Find more of her tips at Laurengreutman.com.

Anna Newell

Jones, who blogs about money at Andthenwesaved. com, is the author of The Spender’s Guide to Debt-free Living.