Articles by Valencia Patrice Higuera

Valencia Higuera is based in Virginia and she covers budgeting, credit cards, and student loan debt, with expertise in frugal living, general banking, and mortgages. She is a self-proclaimed personal finance junkie. Valencia has contributed to publications and outlets including MSN, The Huffington Post, CBS News, Investopedia, and more. Education: B.A. in English from Old Dominion University.

How Much Homeowners Insurance Coverage Do I Need? Find how much homeowners insurance coverage you should consider as part of your policy, which would also affect your annual premiums. What to Do Before Renewing Your Homeowners Insurance Policy? Photo of Valencia Patrice Higuera Valencia Patrice Higuera What to Do Before Renewing Your Homeowners Insurance Policy? Home insurance is a policy that protects your property from losses and damages.... How to Compare Home Insurance Companies Photo of Valencia Patrice Higuera Valencia Patrice Higuera How to Compare Home Insurance Companies Buying a home is an opportunity to earn equity and put down roots. And like many... How to Create a Home Inventory for Homeowners Insurance Learn how to create and maintain a home inventory list to track the valuable belongings that need coverage under your homeowners insurance policy. Which Payments You Should Avoid Making With a Credit Card Credit cards have a place in our finances, yet buying the wrong things can damage our finances. Here are nine things you shouldn't put on a credit card. What Credit Cards are Accepted at Costco? Photo of Valencia Patrice Higuera Valencia Patrice Higuera What Credit Cards are Accepted at Costco? Costco is a very popular destination for people who want to make bulk purchases in... Expiration Dates: Why Credit Card and Debit Cards Have Them Photo of Valencia Patrice Higuera Valencia Patrice Higuera Expiration Dates: Why Credit Card and Debit Cards Have Them Debit cards and credit cards have a variety of numbers on them. This includes your... Should You Pay to Extend a Mortgage Rate Lock? Find out whether it makes sense to pay for a mortgage rate-lock extension during the process of buying a new home. Learn how rate locks work and see the tips that you should use to ensure the lowest interest rate on your mortgages, especially during times when interest rates are fluctuating. How to Get a Debt Consolidation Loan With a Bad Credit Score Learn how to get a debt consolidation loan when you've got bad credit scores, which could reduce your chances of approval. But, it's still possible. Should You Apply for a Mortgage With or Without Your Spouse? Photo of Valencia Patrice Higuera Valencia Patrice Higuera Should You Apply for a Mortgage With or Without Your Spouse? You and your spouse are ready to buy that dream home. On the mortgage...