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.

5 Ways to Save for Retirement as a Full-Time Freelancer As a full-time freelancer, learn how you should approach retirement savings when you don‘t have access to a 401(k) plan, which is offered only by employers. Consider the different options that you have available to take advantage of tax benefits provided by certain retirement accounts. Should You Pay Off Student Loans Before Grad School? Photo of Valencia Patrice Higuera Valencia Patrice Higuera Should You Pay Off Student Loans Before Grad School? Getting an undergraduate education is a huge accomplishment. But it can also... Can Non-U.S. Citizens Have Retirement Accounts (401k and IRAs)? Photo of Valencia Patrice Higuera Valencia Patrice Higuera Can Non-U.S. Citizens Have Retirement Accounts (401k and IRAs)? If you’re a citizen of another country, but legally able to live and work in the... How to Transfer Ownership of Your House to Your Child Learn how to give a house to your child while also considering the tax consequences of a transfer of home ownership. Can the Walmart MoneyCard Act as a Checking Account? See if you can use a Walmart MoneyCard in place of a traditional checking account, including making purchases, paying bills, and making deposits. How to Set Up a Savings Account for a Teenager Photo of Valencia Patrice Higuera Valencia Patrice Higuera How to Set Up a Savings Account for a Teenager Teaching kids how to save money is an important step for future financial... Average Cost of College Tuition: How Much Do You Have to Save? Photo of Valencia Patrice Higuera Valencia Patrice Higuera Average Cost of College Tuition: How Much Do You Have to Save? There’s no denying the cost of getting a college degree. As a parent, maybe you... How Much to Save for the Perfect Honeymoon Without Going Into Debt Learn how you can save for the perfect honeymoon vacation to celebrate your marriage without taking on a large amount of debt -- including tips to cut costs. The FIRE Movement: What Are You Sacrificing to Retire Early? Learn what it takes to join the FIRE movement, which encourages the pursuit of financial independence to retire early - with certain sacrifices. Self-Directed IRAs: Save for Retirement with Alternatives Investments Photo of Valencia Patrice Higuera Valencia Patrice Higuera Self-Directed IRAs: Save for Retirement with Alternatives Investments When it comes to individual retirement accounts (IRAs), most people know about the...