JB brings over 22 years of experience in consumer finance and interactive marketing to the SavvyMoney team. Throughout his career, he has worked with consumers in the financial services sector and has developed an understanding of what's important to consumers as they make important financial decisions.

As one of the early executive team members at FreeCreditReport.com, JB was instrumental in building consumer awareness around the importance of consumer credit reports and scores. As EVP of Partnership Marketing he led the team responsible for online marketing and business development with partners such as Yahoo!, American Express, MSN and Quicken. JB later went on to be President of Experian MetaReward, a loyalty program and affiliate network.

Prior to his tenure at Experian, JB spent 10 years in consumer finance at Household International (now HSBC) working closely with consumers in retail lending. JB joins the team from Disney where he was Vice President of Marketing for Disney Online responsible for online marketing, CRM, research and analytics.

JB's money wise tip: Make sure you're not penny-wise and pound foolish. Focus your energy on reining in the biggest expenses first, then save money on your lunch!

Prior to SavvyMoney, Igor spent five years at Experian, most of that time as CIO of Experian Consumer Direct division. At Experian he was responsible for technology and development for businesses that included FreeCreditReport.com, ConsumerInfo and private label consumer solutions. Prior to that Igor held senior technical positions at Cendant's Trilegiant (now Affinion) and RCI divisions and spent seven years as CIO and a partner with ScanData Systems. Igor has a Bachelor's and Master's degrees from Case Western Reserve University in Systems & Control Engineering and studied liberal arts at University of Sussex, UK.

Igor's money saving tip is to book all his business travel via priceline.com because he can get 'unbelievable deals' and can shame the rest of us by telling us how much he's saving.

Jean Chatzky is a personal finance expert and best-selling author. She is a contributing editor for Men’s Health and USA Weekend magazines and a columnist for The New York Daily News. Jean is the author of seven books, including her latest New York Times’ bestseller Money 911 and her first book for teens, Not Your Parents Money Book. Her book Pay It Down was the basis for The Debt Diet on the Oprah Winfrey Show.

Jean has been recognized as an exceptional journalist. She received the Clarion Award for magazine columns from the Association of Woman in Communications, her radio show received a Gracie Award from the Alliance for Women in Media and her book The Difference received a Books for a Better Life award. She has been nominated twice for National Magazine Awards and was named one of the country’s best magazine columnists by the Chicago Tribune.

In addition to her professional work, Jean serves on the board of directors of the National Foundation for Consumer Credit and the Children’s Heart Foundation. She is also a member of the Trustees’ Council of Penn Women for the University of Pennsylvania.

Jean’s money philosophy is simple: earn a decent living, spend less than you make, save & invest, and protect the financial world you live in. Everything else is just icing on the cake.

Bhawna leads Customer Insight initiatives and manages our customer advisory groups, ongoing surveys and panel studies. She is also first point of contact for SavvyMoney and paid member programs, making sure that all member ideas, questions and suggestions find the best solution.

Prior to SavvyMoney, Bhawna was recognized as one of the top employees of HSBC Card Services Group where she launched a website for their credit score product and developed online distribution strategies for credit card portfolios. Before HSBC, Bhawna held diverse roles in Consumer Finance industry across India and the UK. She has an MBA from INSEAD, France.

Bhawna's frugality tip is that it never hurts to ask for a discount. She's found that saying 'how can you help me get a better offer' not only gets her more for her money but keeps the sales person from giving her any unnecessary add-ons!