Michelle L. Marquez

Just because you’re still studying, it doesn’t mean that you’re excused from earning money. You can start developing your money-making skills while still in college by doing some things that will grant you quick cash. Michelle L. Marquez, a finance major, shares some easy ways how you can make extra money as a student. Image source: quertime.com Become a tutor. Tutoring is a paid profession that college students go for all the time. You can register as a tutor online, or visit high schools and require if they seek the assistance of college tutors on certain subjects such as math, language, history, and so on. You can get paid per hour and help a struggling student achieve academic goals. Image source: studentloanhero.com Manage social media for companies Businesses always seek social media managers to handle their accounts and craft promotions. Use your tech-savvy side to your advantage and apply for social media managing jobs that you can do on the weekends of durin...

Many people fall into the debt trap due to wild spending habits using their credit card. Credit card debt is a problem that can leave one cashless for a long time. Becoming financially independent requires one to have control over their spending, especially their credit card habits. Image source: upgradedpoints.com Some financial disciplines suggest that if you can’t purchase an item with cold cash, you simply don't deserve it. In the past, sticking to principle was easy. With the effortless access to credit cards, people can swipe until they drop. It’s still beneficial to stick by this rule to prevent overspending. Michelle L. Marquez stands by the same principle. If you can’t stop yourself from using your credit card, might as well get rid of it. This will help build your finances and teach you to spend wisely on necessary items. Image source: creditrepairlawyersam.com While there can be advantages in using a credit card, they can easily be toppled by the disadvan...

Welcome to my blog! My name is Michelle L. Marquez and I’m a finance student with a desire to help people get their funds in order. I believe that everyone can enjoy travel without going beyond their budget. While many depend on their credit cards just to make their vacation plans come true, it is better to save funds to have less worries especially after the trip. Let me share with you some tips on building up that travel fund: Image source: Pexels.com   Make travel plans If you have a destination in mind, it wouldn’t hurt to draft a travel budget. Whether you’re going on that vacation alone or with friends, you can start searching online for flight and accommodation deals to have an idea how much you’ll be spending. For those who are planning on going with friends, you can let them in on the budgeting so that you can keep each other accountable. Image source: Pexels.com Cut back on extra expenses You gotta give up some pleasures to see the bigger picture. If y...

Debt management is an issue faced by many regardless of age. Student loan debt is one kind of debt that’s keeping adults from living their best life in terms of finances. All types of debt have the potential to cripple one’s bank account. Get rid of debt with these tips. Image source: is4profit.com Create a budget which lets you know how much you need for utility and phone bills, grocery, and other expenses that are necessary. Make your own spreadsheet that states your monthly income and expenses to help you know which area you can cut back to make room for paying off debt. Image source: thebalance.com Prioritize paying off the largest debt . From highest to lowest, sort your credit card interest rates, then take on the card with the highest rate first. Paying off the balance with the highest interest first helps you increase your credit card payment with the highest annual percentage rate while proceeding to make the minimum payment on your other credit cards. Make ...

I’ve met so many people who complain about all their monthly expenses. However, when I reviewed their financial records and compared it to their bills, we knew something was wrong. I knew they shouldn’t have been spending so much. On that note, let’s take a look at some of the small adjustments you can make at home, that may save you a whole lot of cash. Image source: 10news.com Unplug devices that don’t need to be plugged overnight. Unplug any electronic device that doesn’t need to be plugged in at night. Outlets are vampires, and even if the devices aren’t running, they’re still giving off electricity and racking up the bill. Do this, and you’ll be surprised by how much you’ll save from your monthly electric bill. Change your water faucets. Low-flow water faucets are a marvel of engineering. They’re efficient and environment-friendly. While it’s true that they may cost a pretty penny at the nearest hardware store, they can help save you money in the long run. Image s...

Some decisions in life can affect us for an extended period of time.  In terms of finances, there are certain milestones which cost a considerable amount of money and should be prepared for early on.  These turning points may alter your plans forever depending on your decision.  Here are some of the biggest financial decisions you will ever make in your life.   Education Going to college or choosing not to can affect your finances in later years.  If you choose to go to college, enrolling in top schools will not be cheap.  Certain courses like medicine or law take a lot longer to finish and can rack up the student debt.  You could end up paying for your student loans for decades.  If you choose not to go to college, you may find it difficult to get high-paying jobs without a degree. Image source: honeybrides.com Marriage Marriage here is not limited to just the ceremony.  Marriage constitutes legally getting married, joint bank ac...