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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 to Get a Debt Consolidation Loan With a Bad Credit Score Photo of Valencia Patrice Higuera Valencia Patrice Higuera How to Get a Debt Consolidation Loan With a Bad Credit Score If you’re struggling to pay off debt and juggling multiple balances, a debt... Should You Apply for a Mortgage With or Without Your Spouse? Find out whether you should apply for a mortgage with or without your spouse when you consider income, credit scores, and other factors for your application. Are Joint Credit Cards Good for Your Marriage? Even if you prefer your own bank account and your own set of bills, there are benefits to having a joint credit card with your spouse. Buying a Mobile Home With a Personal Loan: Pros & Cons to Consider Photo of Valencia Patrice Higuera Valencia Patrice Higuera Buying a Mobile Home With a Personal Loan: Pros & Cons to Consider It’s estimated that roughly 17 million Americans live in mobile homes (also called... What to Do Before Renewing Your Home Insurance Policy? Photo of Valencia Patrice Higuera Valencia Patrice Higuera What to Do Before Renewing Your Home Insurance Policy? Home insurance is a policy that protects your property from losses and damages.... Should You Take Out a Personal Loan to Pay Your Rent? Find out whether it's a good decision to take out a personal loan to pay your rent, including the pros and cons and alternatives to consider. 8 Financial Gift Ideas for Valentine’s Day Use these creative financial gift ideas for Valentine's Day to avoid gifting the same chocolates, flowers, and other material goods. How to Change Your Credit Card Billing Address Photo of Valencia Patrice Higuera Valencia Patrice Higuera How to Change Your Credit Card Billing Address Online shopping is fast and convenient, especially for those with a busy, hectic... What to Consider When Using Gift Funds for Your Down Payment on a Mortgage Photo of Valencia Patrice Higuera Valencia Patrice Higuera What to Consider When Using Gift Funds for Your Down Payment on a Mortgage You're ready to buy a home, but understand that you need to have a good chunk of... Homeowners Insurance Lapse: What Happens If There's a Gap in Coverage Find out what happens in your let your homeowners insurance policy lapse -- and what you should do if it happens.