Baker's first published book Money Matters For Women (1993) draws on her experiences as a qualified Inspector of Taxes in the public sector and as a technical taxation manager in the private sector as well as later in the New Zealand academic world, as a lecturer in taxation, both direct and by correspondence, Baker studied at the University of York, obtaining a BA (with honours) in 1969.
She received a Certificate of Education from Wolverhampton Technical Teachers' College while working as an economics lecturer.
Baker went on to join the British Civil Service as a Direct Entrant at the Department of Inland Revenue.
She moved to New Zealand in 1986 and worked as a taxation lecturer at the Technical Correspondence Institute the local equivalent to Britain's Open University.
Apart from her Regency Romances, Baker's fictional works tend to feature the same locale in Southern France where she had been living for over twenty years.