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.

Wells Fargo Cash Wise Visa Card 2025 Review We review the Wells Fargo Cash Wise Visa Card to see how it compares to other credit cards based on interest rates, the rewards program, fees, and other perks. Self Credit Builder Loan 2025 Review Photo of Valencia Patrice Higuera Valencia Patrice Higuera Self Credit Builder Loan 2025 Review Personal loans have many practical uses. Some people get a loan to start a... Affirm Personal Loan 2025 Review Photo of Valencia Patrice Higuera Valencia Patrice Higuera Affirm Personal Loan 2025 Review As you shop at some of your favorite stores and online retailers, you may come... Varo Money Online Checking Account 2025 Review Learn all about the features of the Varo Money online checking account, including its fees, mobile app, and early direct deposit payment. BrioDirect CD Rates 2025 Review Learn all the details about the certificates of deposit (CDs) offered by BrioDirect, including interest rates, early withdrawal penalties and maturity terms. Why the Home Appraisal Matters When You’re Refinancing Photo of Valencia Patrice Higuera Valencia Patrice Higuera Why the Home Appraisal Matters When You’re Refinancing If you think back to purchasing your home, you likely remember having the property... Venmo Scams: How to Protect Yourself From Becoming a Victim Photo of Valencia Patrice Higuera Valencia Patrice Higuera Venmo Scams: How to Protect Yourself From Becoming a Victim Whether you forgot your wallet at home, or you’re splitting a dinner bill, Venmo... Identity Fraud: Should You Get a New Social Security Number? Find out whether you should get a new Social Security number if you become a victim of identity fraud and how the change could affect your credit history. Deferment vs. Forbearance for Student Loans Learn everything you need to know about deferment and forbearance to determine which financial hardship program is best for you and your student loans. Negative Interest Rates: What It Could Mean for Your Mortgage and Savings? Photo of Valencia Patrice Higuera Valencia Patrice Higuera Negative Interest Rates: What It Could Mean for Your Mortgage and Savings? Banking and interest go hand-in-hand. Sometimes, you can’t think of one without...