About


Hi, I’m Michelle L. Marquez, an aspiring financial advisor currently studying finance at USC.  As a young adult, it seems like making ends meet is an impossible feat to achieve. However, making the right financial decisions helps me to save for the future. Investments and taxes may be far from the minds of students like me, but these are things I have to think about soon as I build a career in finance.

I started this blog to hone my interpersonal communication skills, which for sure will be needed when I become a financial advisor. My objective is to help people make smarter financial decisions that would benefit them and their families. Subscribe to my blog to get helpful updates on how to save, invest, and spend wisely.

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Start saving for future travels with these three tips

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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...
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Should you avoid spending on credit at all costs?

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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...
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Small adjustments at home that can save you a ton of cash annually

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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...
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