Melissa Newton


Melissa Newton is recognized as a leading personal finance researcher, author, speaker, and Managing Editor of MoneyBasicsU, a personal finance online magazine. She is founder and president of Millcreek Media Group, Inc. (MMG, Inc.), a company which provides multi-media resources related to financial education. Her professional career in the banking industry introduced her path to financial literacy advocacy.

Melissa is a prolific writer authoring white papers, articles, and books on money matters. Some of her works include Look Smart, Be Smart: How to Create a New Image for a New Job, Princess or Pauper: Are Women Securing Their Financial Future?, Money Smart Kids for the 21st Century, The Fiscal Cliff: Are Your Money Safety Nets Ready?, 7 Simple Steps to a New Money You and 5 Reminders for Money Smart Living. Her paper Princess or Pauper continues to be well-received and is the most frequently downloaded document of all her work. Melissa is currently writing her next book of the same name, Princess or Pauper: Are Women Securing Their Financial Future?, which is anticipated to be released in 2015. She also writes on banking and financial literacy at MoneyBasicsU.

Melissa believes in the strength of partnerships in bringing the message of financial education to young people and adults alike. She has partnered with the Federal Reserve Bank of Chicago for its annual Money Smart Week initiative and serves on The Workplace Initiative Committee. She is a member of the Illinois JumpStart Coalition, a state partner with the JumpStart Coalition for Personal Financial Literacy in Washington D.C., whose mission is to advance financial literacy among students pre-kindergarten through college. Melissa also serves on the Steering Committee for Pathway to Finance-Related Careers with Econ Illinois. Other collaborations have included Microsoft Corporation to teach money matters to students of a national association. She has utilized various financial literacy curriculums including the Federal Deposit Insurance Corporation’s Money Smart for Young Adults and BancVue’s MoneyIsland, an online interactive gaming program for tweens.

Melissa serves as a Director with Citizens for American Manufacturing at, a not-for-profit organization supporting the message of the importance of the U.S. industrial base and its impact on the U.S. economy. Melissa has also been an active member of Toastmasters International over the years having served as president, and vice president/public relations and speech mentor at the community level. She achieved her certification in the Communication and Leadership Program and won numerous speech contests including first place in the International Speech Contest.

For relaxation, Melissa enjoys photography, painting, and piano. She also enjoys activities offered at The Art Institute of Chicago, The Morton Arboretum, and The Naper Settlement.

Smashwords Interview

Why did you decide to become a writer/researcher about money basics?
Life has a way of directing us to what we are meant to be, don’t you think? I’ve been writing and researching in some capacity since I was in grade school. As an adult I’ve written everything from fiction, business and interview articles to short stories. But, it was my introduction to the issue of financial literacy by a colleague in 2012 in my professional work that became my fork in the road. I’ve worked in banking my entire career, and that journey led me to discover my passion – writing and research about the basics of money.

Here’s another point. I watched the Great Recession leave millions permanently unemployed and retirement funds tank. For many, emergency funds didn’t exist to soften their landing. And, over the years in my work and life circle I’ve seen the gut wrenching money fallout from just about every life circumstance be it divorce, unexpected loss of a spouse, to the wrong financial decisions that have left individuals living a life of little or no choices. I didn’t want to just read and/or watch all this and not do something about it.

There has been a lot written in the area of personal finances, but nothing that focused just on the basics. My thought is if people can master the basics about money, they’ll have the confidence to tackle the more sophisticated money issues and live better financial lives.
How has the digital world changed access to information about money?
Literally, there is no one on this planet who has access to a tablet, Smartphone or computer who can’t learn everything they want to know about money. There are government and academic websites, eBooks, articles, blog sites, bank sponsored programs, gaming programs for kids, Youtube videos, and Podcasts and videos through iTunesU. Technology has made learning about money a game changer.

It’s the reason I chose to create and its growing platform inside the digital world. Our educational Posts, articles, shortBooks, and videos are all accessible to anyone and everyone within the click of a mouse. If someone wants to ramp up their know-how about money, they don’t need anything but their own desire to be a money smart consumer and make it happen.
Read more of this interview.

Where to find Melissa Newton online


5 Reminders for Money Smart Living
Price: $2.99 USD. Words: 8,860. Language: English. Published: January 1, 2014. Categories: Nonfiction » Business & Economics » Personal finance
Isn’t it time to make your dream of financial success happen? 5 Reminders for Money Smart Living reviews the top five money issues and action steps to jump start your new money lifestyle. Included is a bonus chapter, Advice from the Money Makers, with quotes from Warren Buffett. Start enjoying the benefits of money smart living – peace of mind, choices, and a secure financial future.
The Fiscal Cliff: Are Your Money Safety Nets Ready?
Price: $1.99 USD. Words: 13,160. Language: English. Published: September 16, 2012. Categories: Nonfiction » Business & Economics » Personal finance, Nonfiction » Business & Economics » Personal finance / money management
Chairman Bernanke of the Federal Reserve and the Congressional Budget Office has warned of the fiscal cliff. Are you prepared for higher taxes, more unemployment, or a recession if the U.S. “falls over the cliff?” Prepare for the worst while hoping for the best. Understand the issues of the fiscal cliff and build your safety nets to protect your financial position now and into the future.
Look Smart, Be Smart: How to Create a New Image for a New Job
Price: $2.99 USD. Words: 31,360. Language: English. Published: July 11, 2010. Categories: Nonfiction » Business & Economics » Careers
Do you like your job? Is how you make a living what you thought it would be? Are you one of the millions who got caught in the wave of unemployment? Look Smart, Be Smart gives you a three step plan to create a new image for a new job. See yourself transform into the confident, smart, and knowledgeable person you always imagined.

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