KIRA VERMOND is an award-winning writer and longtime freelancer from Guelph who rarely has a free moment to relax. With over 1,000 articles under her belt, Canadians have read her travel, career and money columns for The Globe and Mail and Chatelaine and listened to her career advice on CBC Radio weekday mornings for years. In 2010, Chatelaine and John Wiley published her book Earn, Spend, Save: The savvy guide to a richer, smarter, debt-free life. Kira also contributes to OWL Magazine, Today's Parent, Parents Canada, Canadian Family, PROFIT, FORUM Magazine, and many other consumer and trade publications.