Vanessa McGrady is a freelance writer who lives in Los Angeles. She loves stories about how women make, keep and spend money. She has somehow had the great fortune to become a mom to a magical, funny, astoundingly smart little girl. She would enjoy your company over at Twitter (@VanessaMcGrady) and on her blog (vanessamcgrady.com/swerve). Her pictures on Instagram are mostly of breakfast. Come by and say hi!