Valencia Higuera

I'm an English and communications major, as well as a self-proclaimed personal finance junkie. I've had an obsession with all things money since my early twenties, and love that I'm able to spend my days writing articles and blogs on personal finance topics.

It's Time to Stop Letting Money Control Your Life ...

It's Time to Stop Letting Money Control Your Life ...

7 Money-saving Hacks Every College Freshman Should Know ...

7 Money-saving Hacks Every College Freshman Should Know ...

7 Ways to Host a Low-budget Party with Friends ...

7 Ways to Host a Low-budget Party with Friends ...

7 Common Retirement Savings Mistakes You Should Avoid at All Costs ...

7 Common Retirement Savings Mistakes You Should Avoid at All Costs ...

7 of the Worst Things to Buy Used ...

7 of the Worst Things to Buy Used ...

7 Reasons Why You'll Never Reach Your Savings Goals ...

7 Reasons Why You'll Never Reach Your Savings Goals ...

7 Worst Possible Things to do with Your Savings ...

7 Worst Possible Things to do with Your Savings ...

7 Reasons to Stay at a Job Even if You Hate It ...

7 Reasons to Stay at a Job Even if You Hate It ...

7 Best Ways to Overcome Unemployment Depression ...

7 Best Ways to Overcome Unemployment Depression ...

7 of the Best Ways to save Money when You're Earning Minimum Wage ...

7 of the Best Ways to save Money when You're Earning Minimum Wage ...

Learn to Bounce Back from a Financial Disaster ...

Learn to Bounce Back from a Financial Disaster ...

7 Frugal Habits That Everyone Should Develop ...

7 Frugal Habits That Everyone Should Develop ...

7 Money Matters to Discuss before He Puts a Ring on It ...

7 Money Matters to Discuss before He Puts a Ring on It ...

How to Be in Total Control of Your Mind ...

How to Be in Total Control of Your Mind ...

7 Tips for Smart Borrowing ...

7 Tips for Smart Borrowing ...

7 Important Things You Should Know about FHA Mortgages ...

7 Important Things You Should Know about FHA Mortgages ...

It's Time to Start Brown Bagging Your Lunch ...

It's Time to Start Brown Bagging Your Lunch ...

7 Renting Costs That Might Surprise You ...

7 Renting Costs That Might Surprise You ...

Life Saving Advice to Gain Control when You Feel You've Lost It in Life ...

Life Saving Advice to Gain Control when You Feel You've Lost It in Life ...

Watch Yourself - 7 Signs You're about to Make a Terrible Decision ...

Watch Yourself - 7 Signs You're about to Make a Terrible Decision ...

7 Steps for Dealing with Zombie Debt ...

7 Steps for Dealing with Zombie Debt ...

7 Financial Lessons We Can Learn from Broke People ...

7 Financial Lessons We Can Learn from Broke People ...

7 Reasons Why You're Too Young for a Credit Card ...

7 Reasons Why You're Too Young for a Credit Card ...

7 Reasons Why You Shouldn't Use Your Credit Card in an Emergency ...

7 Reasons Why You Shouldn't Use Your Credit Card in an Emergency ...

Single? Here Are 7 Ways to Live off Half Your Income ...

Single? Here Are 7 Ways to Live off Half Your Income ...

7 Signs You Need to Drop Your Credit Card Company ...

7 Signs You Need to Drop Your Credit Card Company ...

How to Become a Personal Finance Whiz Even if You're Lazy ...

How to Become a Personal Finance Whiz Even if You're Lazy ...

7 Signs You're Ready for a Joint Bank Account ...

7 Signs You're Ready for a Joint Bank Account ...

All You Need to Know about the Best Reward Credit Cards ...

All You Need to Know about the Best Reward Credit Cards ...

7 Simple Ways to Avoid Tax Debt Stress ...

7 Simple Ways to Avoid Tax Debt Stress ...

The Best 7 Things You Can do to Beat a Mild Shopping Addiction ...

The Best 7 Things You Can do to Beat a Mild Shopping Addiction ...

Practical Reasons to Buy the Least Expensive House You Can Afford ...

Practical Reasons to Buy the Least Expensive House You Can Afford ...

How to Improve Your Shopping Experience with the Kids ...

How to Improve Your Shopping Experience with the Kids ...

Girl's Guide to Getting Your Parents to Listen to You when You Think They Don't Understand ...

Girl's Guide to Getting Your Parents to Listen to You when You Think They Don't Understand ...

7 Things Your Credit Report Reveals about You ...

7 Things Your Credit Report Reveals about You ...

7 Things to do if You Can't Find a Job after College ...

7 Things to do if You Can't Find a Job after College ...

7 Ways to Talk Yourself out of Buying Something You do Not Even Need (or like) ...

7 Ways to Talk Yourself out of Buying Something You do Not Even Need (or like) ...

7 Benefits of Ordering Your Credit Report Annually ...

7 Benefits of Ordering Your Credit Report Annually ...

This is How You Can Afford College All on Your Own ...

This is How You Can Afford College All on Your Own ...

7 Ways to Get an Apartment with Bad Credit ...

7 Ways to Get an Apartment with Bad Credit ...

7 Amazingly Cheap Ways to Recharge after a Long Day at Work ...

7 Amazingly Cheap Ways to Recharge after a Long Day at Work ...

Top Tips for Changing Your Money Mindset ...

Top Tips for Changing Your Money Mindset ...

Best Part-Time Jobs for the Busy Teen ⏰ ...

Best Part-Time Jobs for the Busy Teen ⏰ ...

7 Options if You Believe Your Friends Are Using You for Money ...

7 Options if You Believe Your Friends Are Using You for Money ...

Why You Should Stop Worrying about What You'll do after College ...

Why You Should Stop Worrying about What You'll do after College ...

7 Ways to Get into Shape for Free ...

7 Ways to Get into Shape for Free ...

7 Amazing Tips to Keep from Spending Money ...

7 Amazing Tips to Keep from Spending Money ...

Is a House a Worthwhile Investment? ...

Is a House a Worthwhile Investment? ...

7 Reasons That You Need an Emergency Cushion ...

7 Reasons That You Need an Emergency Cushion ...

If You Haven't Planned for These Expenses, You Should ...

If You Haven't Planned for These Expenses, You Should ...

7 Crucial and Handy Financial Tips for College Freshmen ...

7 Crucial and Handy Financial Tips for College Freshmen ...

Heading to College ? Here's How to Make the Most of the Summer before ...

Heading to College ? Here's How to Make the Most of the Summer before ...

Irrefutable Signs You're on the Right Track to Earning More Money ...

Irrefutable Signs You're on the Right Track to Earning More Money ...

How to Tell if Your Man Has Truly Moved from His Ex ...

How to Tell if Your Man Has Truly Moved from His Ex ...

Seven Spring Cleaning Hacks You Need to Know Now ...

Seven Spring Cleaning Hacks You Need to Know Now ...

7 Costly Consequences of a Materialistic Mindset ...

7 Costly Consequences of a Materialistic Mindset ...

7 Signs That You're Flirting with Financial Ruin ...

7 Signs That You're Flirting with Financial Ruin ...

Here's How to Turn Small Talk into a Conversation ...

Here's How to Turn Small Talk into a Conversation ...

These Are All the Reasons You Need to Not Turn Your Hobby into a Side Business ...

These Are All the Reasons You Need to Not Turn Your Hobby into a Side Business ...

7 Realistic Ways to Get Ahead at Work ...

7 Realistic Ways to Get Ahead at Work ...

7 Amazing Ways to Maintain Your Health at Work ...

7 Amazing Ways to Maintain Your Health at Work ...

7 Lessons You Learn While Living Paycheck to Paycheck ...

7 Lessons You Learn While Living Paycheck to Paycheck ...

7 Tips for Managing Rent as a College Student ...

7 Tips for Managing Rent as a College Student ...

7 Tips for Asking Your Credit Card Company for a Better Rate ...

7 Tips for Asking Your Credit Card Company for a Better Rate ...

7 Ways to Let Him down Gently All Classy Girls Must Try ...

7 Ways to Let Him down Gently All Classy Girls Must Try ...

Money-saving Hacks That'll Work at Any Age ...

Money-saving Hacks That'll Work at Any Age ...

7 Financial Decisions That Can Set You Back ...

7 Financial Decisions That Can Set You Back ...

7 Things You're Paying Too Much for – and How to Pay Less ...

7 Things You're Paying Too Much for – and How to Pay Less ...

7 Ways to Plan for Closing Costs if You're Buying a House ...

7 Ways to Plan for Closing Costs if You're Buying a House ...

7 Awesome Money Truths Adults do Not Tell You ...

7 Awesome Money Truths Adults do Not Tell You ...

7 Things 20-somethings Should Spend Their Money on ...

7 Things 20-somethings Should Spend Their Money on ...

7 Questions to Ask when Buying Life Insurance ...

7 Questions to Ask when Buying Life Insurance ...

7 Sensible Reasons to Get a Prepaid Debit Card ...

7 Sensible Reasons to Get a Prepaid Debit Card ...

7 Way to Cope without Retail Therapy when You're Feeling down ...

7 Way to Cope without Retail Therapy when You're Feeling down ...

Getting Fit with Your BFF: X Tips for Losing Weight, Not Friendships ...

Getting Fit with Your BFF: X Tips for Losing Weight, Not Friendships ...

7 Main Reasons Why Your Budget Sucks ...

7 Main Reasons Why Your Budget Sucks ...

Don't Feel Bad for Your Debt ...

Don't Feel Bad for Your Debt ...

Is Debt Making You Sick? 7 Ways to Cope ...

Is Debt Making You Sick? 7 Ways to Cope ...

7 Reasons Why You Need Multiple Income Sources ...

7 Reasons Why You Need Multiple Income Sources ...

7 Amazing Ways to Be Generous without Actually Spending Money ...

7 Amazing Ways to Be Generous without Actually Spending Money ...

7 Important and Simple Financial Steps for Parents ...

7 Important and Simple Financial Steps for Parents ...

7 of the Best Ways to Achieve an 800+ Credit Score ...

7 of the Best Ways to Achieve an 800+ Credit Score ...

Clueless about Credit? 7 Tips to Boost Your Knowledge ...

Clueless about Credit? 7 Tips to Boost Your Knowledge ...

7 Habits That People in Perfect Shape Live by ...

7 Habits That People in Perfect Shape Live by ...

7 Ways to Lose Your "bad with Money" Reputation ...

7 Ways to Lose Your "bad with Money" Reputation ...

The Essential 7️⃣ Strategies for Those Who Want to Be Successful Students ...

The Essential 7️⃣ Strategies for Those Who Want to Be Successful Students ...

7 Tips for Cutting down Work-related Spending ...

7 Tips for Cutting down Work-related Spending ...

Everything You Need to Know before You Take out a Student Loan ...

Everything You Need to Know before You Take out a Student Loan ...

Are You a Member of the Middle Class? ...

Are You a Member of the Middle Class? ...

7 Natural Ways to Get Energized without Caffeine ...

7 Natural Ways to Get Energized without Caffeine ...

7 Ways to Be Proactive with Your Money ...

7 Ways to Be Proactive with Your Money ...

7 Steps to Financial Fitness in 2013 ...

7 Steps to Financial Fitness in 2013 ...

Why Are You Always so Hungry?

Why Are You Always so Hungry?

7 Worst Ways to Spend Your Allowance ...

7 Worst Ways to Spend Your Allowance ...

7 Smart Reasons to Set up Bill Reminders ...

7 Smart Reasons to Set up Bill Reminders ...

7 Reasons Not to Room with Your Best Friend ...

7 Reasons Not to Room with Your Best Friend ...

7 Ways to Cope with a Drop in Income ...

7 Ways to Cope with a Drop in Income ...

7 Things You do Every Day That Can Ruin Your Savings ...

7 Things You do Every Day That Can Ruin Your Savings ...

7 Money Mistakes That Can Cost You Big Time ...

7 Money Mistakes That Can Cost You Big Time ...

7 Things You Should Never, Ever, EVER Text Your Ex ...

7 Things You Should Never, Ever, EVER Text Your Ex ...