Joelle S. Bonifacio is a financial literacy writer, educating readers for three years at Credit Sesame. Joelle specializes in debt management, environmental awareness and career counseling. Her bylines have been seen in Virtuosity Magazine, The Review, The Beacon, The Sheboygan Falls News, The Sounder and The Highlander. Check out her blog at www.joellebonifacio.blogspot.com.