John Schmoll is the founder of FrugalRules.com, a personal finance blog dedicated to raising financial literacy and promoting freedom through frugality. In addition to being a Dad, MBA grad and professional blogger, John has more than 10 years of experience working within the financial services, insurance and banking industries. John has written extensively on finance, investing, budgeting, credit card debt, self-employment and frugality. His writing has appeared on sites such as US News & World Report, Go Banking Rates and Yahoo Finance. When he is not busy talking about all things finance, John runs his owns marketing business along with his wife.