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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Pay yourself: The virtues of reverse budgeting

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Image source: totaladvice.com.au Typically, when we plan budgets, we try to squeeze as much of our income to cover bills, debts, food, and taxes, with whatever’s left being used for savings or small everyday luxuries. Sounds logical, of course, but it’s also … not very effective at amassing savings effectively in the long run.  One of the most effective strategies for setting aside savings is reverse budgeting, wherein we treat savings as just another bill we have to pay.  Image source: pllc.ca You know how, back when you were a kid, you’d set aside money for that thing you want? That’s basically the principle at play.   Reverse budgeting involves setting aside a steady monthly stream of cash that can be saved and stored for a rainy day and invested for the long run.   Essentially, you set aside money to pay yourself. The remaining budget, meanwhile, is drawn from the cash that’s left. Planning the budget around the money that’s set...
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Why an early start in investing is a great idea

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Saving and investing aren’t reserved for middle aged or older adults, or those in the business and finance industry.   More and more people in their early 20s are starting to save and invest for their future.   While many still look down on this practice, one can never go wrong with it.   Image source: financebuddha.com An early start in investing will give your long-term investments time to grow.   The young investor will have more time to save, and putting money in a savings and investment account is a good habit to develop, regardless of how little or big their income is early in their career.   Investing early makes room for the maximization of investment potential. Investments like stocks, gold, and real estate are considered the safest.   These are intended to be long-term, with assets needing 20 to 30 years to grow in order to get the most out of them.   Giving your investment an early go means you’d only have to pay monthly pre...
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