Julie Rains is a freelance writer specializing in personal finance, careers, personal development, and life hacks. She is a graduate of The University of North Carolina at Chapel Hill, where she majored in business with a concentration in finance. Julie loves using financial functions to create mortgage amortization schedules and applied this knowledge to paying off her mortgage a few years ago. You can find more of her work on her blog, Working To Live Differently, and popular personal finance and lifestyle blog, Wise Bread.