Modeling Maintaining Good Credit For Your Children! #WellsFargo @WellsFargo #Sponsored

*This post is brought to you by a compensated campaign in collaboration with Latina Bloggers Connect and Wells Fargo. All thoughts and content are my own.    When I was growing up, I was taught from an early age the importance of saving money and being financially independent.  In my grandmother's house, I was encouraged to put a portion of my allowance away in my savings account every week.  As a matter of fact, I can still remember when we took the trip to the bank to open the account and my grandmother kept reminding me that this was going to be where my money would be held for safekeeping from then on.     After my parents sent for me to come to the United States from Spain once they got settled in, my father continued my financial education right where my grandmother had left off.  He always had a glass jar on top of his dresser and he would empty all of the change in his pockets into that jar every morning when he got home from working nights.  There were many times when … [Read more...]

Feather The Nest And Achieve The Goals You Always Wanted! @Feather_Nesters #Ad

*This is a sponsored post with Feather the Nest, however, as always my posts are based on my opinions and experiences.      I can still remember the excitement of leaving the realtors office where we closed on our house in 2004.  It was the first time that we truly understood what it meant to own a home of our very own and to live the American Dream.  Unfortunately, being a homeowner is wonderful but it is very expensive and purchasing your first home is a huge financial responsibility.     It would have been wonderful to be able to have some financial support from friends and family to help ease this financial responsibility.  Feather the Nest is a new company in New York and Miami that allows members to make profiles on their site to raise funds for their first real estate investments.  It's a great way for recent college grads looking to move out on their own or purchase their first home to get a little help.     The way it works is that Feather the Nest requires new … [Read more...]

Make That Financial Dream Into A Reality For Your Family! #HispanicDream @massmutual #Ad

*I wrote this post as part of my participation in a blog tour for Latina Mom Bloggers on behalf of MassMutual and received compensation to thank me for taking the time to participate. However, all opinions expressed are my own.    Ten years ago, we bought our first home and it was a huge accomplishment for us.  We felt like we finally had our hands around the American dream and that we were finally on our way to obtaining some financial stability.  Unfortunately, buying a house is a huge expense and every time you turn around, there is something new to be fixed or paid for.     Fast forward to today and we have continued to pay down our debt and work towards becoming debt-free but, I have to be honest, my husband and I worry about how quickly we will be able to do that because of the current state of the economy.  It has become harder than ever to save money and to be able make lucrative investments.     Most Latinos have dreams about securing their financial futures but they … [Read more...]

Prepare For Your New Bundle Of Joy And Save Some Money With Baby Value! #Ad

*I participated in this compensated campaign on behalf of BabyValue.com. I received a promotional item to facilitate this post and as a thank you item for participating.  All opinions are my own.    When my husband and I were expecting our oldest son, we were on a fixed budget and it was difficult to prepare financially for all of the items that we would need to welcome our little bundle of joy.  Most of you probably know how expensive baby clothing and products are and it is a blessing to be able to save a little money while getting everything you need to welcome your little miracle into the world.  It’s important to shop around for the best prices on these baby items and focus on what really matters, loving your new little angel!     Luckily, we had extended friends and family who stepped forward to help us purchase the products that we needed for our baby.  At our baby shower, we were very fortunate to receive most of the items that we had requested on our baby registry.  This … [Read more...]

Arm Yourself Against ID Theft With A Fellowes Shredder! #IDSafetySeason @FellowesInc #Ad

*I participated in a campaign on behalf of Fellowes Inc. I received a promotional item to facilitate this review and as a thank you item for participating.  All opinions are my own.      Most of you who are regular readers of this blog know that I was recently the victim of identity theft.  Fortunately, I found out about it because many people continue to be victimized for years without ever knowing that it was even taking place.  Having the opportunity to review a state-of-the-art P-12C Fellowes paper shredder couldn't have come at a more opportune time for me with this unfortunate recent turn of events...     We receive a lot of mail and junk mail here at our home and I always spend hours ripping it all up meticulously so that predators will not be able to access our personal information.  These criminals have been known to sift through people's garbage just to read through discarded documents and mail in order to steal their identities.  Due to this recent experience of … [Read more...]

What Should You Do If You Are The Victim Of Identity Theft?

    The afternoon of New Year's Eve, I received a message from a bill collector on my cell phone.  I immediately called them back because I have good credit and I take my financial obligations seriously.  They went on to tell me that a cable television account that I opened in California was in collections because I had not paid the bill.  Now, there was only one problem, I've never been to California so I knew that my identity had been compromised.     After a long discussion with this collector, I found out that a woman used my maiden name and my social security number to open a cable account at least three times since 2010 in the state of California and eventually defaulted on the account.  This was shocking because I've never shared my personal information with anyone without being cautious and I couldn't believe that this had been going on for so long without my knowledge.  I really felt violated that someone had stolen my identity this way.     Since this has never happened to … [Read more...]