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I Can't Pay My Bills: Surviving a Financial Crisis" (St. She writes "To Her Credit," a weekly reader Q&A column about issues involving women, credit and debt, for Credit Cards.com, and also wrote for MSN Money, and Bankrate.com, and has guested on Martha Stewart Radio and other programs.

Ask Sally a question, or read her previous answers in the To Her Credit archive Dear To Her Credit, I co-signed a student loan for my husband in 2005.

This is essential and strongly recommended if two people are going to embark on a long and happy married life raising a family together.

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