Kara Perez
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Articles by Kara Perez
Retirement Planning Tips For Women
Close yur eyes and think of what the perfect day in retirement looks like to you. Are you playing with grandkids? Laying on a beach? Traveling the world with your best friend? Whatever the dream is, getting there requires a financial plan. And when it comes to retirement savings, women often lag behind men. That’s not because women are worse planners.
Notfallfonds für Freunde: Ich bezahle in schweren Zeiten Dinge für sie
Ich weiß, wie es ist, mit dem Geld zu kämpfen, und ich möchte meinen Freunden helfen, diesen Schmerz zu lindern. Courtesy of Kara Perez Ich sage immer, dass Geld ein Werkzeug ist, mit dem wir unser Leben und die Welt um uns herum gestalten können. Und ich scheue mich nicht, einen Teil davon dafür zu verwenden, meinen Freunden zu helfen, wenn sie in Not sind. Es gibt keine heilige Regel, die besagt, dass man die Stromrechnung eines Freundes nicht bezahlen darf. Ich habe es getan.
Ich habe einen Notfallfonds für meine Freunde und nutze ihn regelmäßig
Ich weiß, wie es ist, mit dem Geld zu kämpfen, und ich möchte meinen Freunden helfen, diesen Schmerz zu lindern. Courtesy of Kara Perez Ich sage immer, dass Geld ein Werkzeug ist, mit dem wir unser Leben und die Welt um uns herum gestalten können. Und ich scheue mich nicht, einen Teil davon dafür zu verwenden, meinen Freunden zu helfen, wenn sie in Not sind. Es gibt keine heilige Regel, die besagt, dass man die Stromrechnung eines Freundes nicht bezahlen darf. Ich habe es getan.
I started an emergency fund for friends who need financial help. It's now a permanent part of my life. Original
Finance I know what it's like to struggle with money and I want to help alleviate some of that pain for my friends. Courtesy of Kara Perez This story is available exclusively to Business Insider subscribers. Become an Insider and start reading now. Have an account? . I always say that money is a tool we use to shape our lives and the world around us. And I'm not afraid to put some of it toward helping my friends when they're in need.
Building Generational Wealth by Diversifying Where You Keep Your Money
I am $20,000 away from Coast FIRE. What’s that? It’s a generational wealth milestone where you have enough money invested in the stock market that you no longer need to contribute to your investments and you will still be a millionaire by age 65. Put another way, it’s when you have enough money invested that your money will turn into even more money on it’s own over time. This means I am well on my way to becoming a millionaire.
Green Money: How to Reduce Waste, Build Wealth, and Create a Better Future for All
Description Discover the path to a wealthier, more sustainable future Green Money: How to Reduce Waste, Build Wealth, and Create a Better Future for All is a startlingly insightful and compelling book that redefines personal finance through the twin lenses of environmental sustainability and community, offering actionable steps to not only improve your financial health but also make a positive impact on the planet.
Latina Dinero Guide to Managing Bank Accounts
Where should you keep your money? And how much should you keep in different accounts? And do you need to keep cash at home? These are all very common questions I get as a financial educator, and I’m here to give you the answers. Latinxs in the U.S. are expected to be 25 percent of the population by 2030. We have a ton of economic and financial power, but so many of us aren’t using the best tools available to build wealth.
Financial Independence Guide for Latinas in 2024
Imagine your perfect day — For me, it’s sleeping in late, taking a walk with friends, reading, working in my garden, and cooking dinner with my partner at home. Notice how I don’t say “work” anywhere in there? In my perfect day, I’m financially independent. But for Latinas, financial independence does not come easily or often. Latinas lose $1.2 million over the course of a 40 year career because we are not paid equally.
How to Make Jefa Moves with Your Money in 2024
Life in 2023 was expensive, and as we look toward the new year, it’s time for all of us to do a financial review. I’m sorry to say it, but I think 2024 is going to be expensive too. There’s still not enough housing inventory, so prices for buying and renting homes will probably stay high.
How Latinas Can Begin Building Wealth at Different Levels
Kara Pérez is the founder of Bravely Go, a financial platform focused on feminist economics and inclusive personal finance. When you’re trying to get your money right, it’s often hard to look down the path and see where your efforts will lead you. Building wealth takes time, and we move through different phases.Very few of us wake up one morning to $1 million in our bank accounts. Instead, we save our first $1000, then our first $10,000, and we build, gaining more assets as we go.
5 ways robo advisors reduce the cost of investing
Essentially, a robo advisor is an automatic way of buying and selling stocks via an algorithm on your computer, phone or tablet. Through different robo-investing platforms, you can invest your spare change, you can gift stock, and you can buy fractions of stock. But that’s not all they do — they can also reduce the cost of investing. Here’s how. 1.
34-year-old was living on $19,000/year as a waitress. Now she runs a $100,000 business and makes $27,000 in passive...
Bravely Go founder Kara Perez shares how she went from $30,000 in debt on a low-income job to running her own company that brings in more than $100,000 a year. Here's how she got started.
34-year-old lived on $19,000/year as a waitress. Now she runs a $100,000 business and makes $27,000 in passive income Original
After graduating from college in 2011, I had $30,000 in student debt and was working a part-time waitressing job for $19.50 an hour. My quarter-life crisis made me realize I needed to figure out my finances fast. I didn't want to continue being stuck in debt and living on $19,000 a year, so I started learning everything I could about personal finance. Thanks in part to several side hustles and being frugal with my money, I eventually paid off my debt.
34-Year-Old Was Living on $19,000/Year as a Waitress. Now She Runs a $100,000 Business and Makes $27,000 in Passive Income
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The Best and Worst States for Home Sales in the U.S.
6 second take: Home values are generally rising across the United States, but the gains aren’t necessarily identical from state to state. Some markets have prices up in the stratosphere, while others have some catching up to do. With the way home prices are trending, it’s definitely a seller’s market out there, but the old saying is still true: In real estate, it’s all about location, location, location. We’ve taken a look at some of the best and worst states for home sales right now.
Is a Season Pass Worth the Cost?
6 second take: Run the numbers to determine whether a season pass is worth the cost. And don't forget to factor in the intangibles! Now that we have a small child, my wife and I have been trying to come up with cheap ways to get out of the house and keep our son entertained. This year, we’ve hit on something we’d never really thought of before, and it looks like it will work out quite well: Season passes.
Life After You Default on Your Student Loans
6 second take: Repaying student loans can be stressful, but there are options if you can’t make a payment — and ways to recover if you default. Marie Blanc cried at the sight of her staggering balance. She hadn’t looked at her student loan bill in the several months since she’d lost her job at a local distribution center. In fact, she hadn’t looked at it at all since she’d set up automatic payments. Now she owed more than $52,000 for a degree that she wasn’t using.
The Top 3 Money Priorities for Every Parent
You lead one life before you become a parent, and an entirely new life after you have a child. I should know because ever since I became a parent, everything seems to have changed. And I am not talking about the time spent on diaper changes or sleepless nights that every parent grumbles about. What changed are my priorities.
Breaking Free From the Teen Mom Stereotype: Budgeting Tips for Single Moms
When I became a single teen mom at 17, I knew that my life would never be the same and that I could kiss my normal teenaged and adult years goodbye. I was scared and embarrassed, and I didn’t want to finish high school. My life is over, I thought, because I had become the one thing I swore I wouldn’t become. I didn’t even like kids, and now I was going to be a mom at a really young age.
Borrowing Money from Friends: CFPB Guidelines
Disclosure We are an affiliate for products that we recommend and receive compensation from the companies whose products we recommend on this site. The placement of the links on this site may be influenced by the compensation received by the respective companies. We are independently owned and the opinions expressed here are our own, and not those of any partner bank, credit card issuer, hotel, airline, or other partner.
What Is Short Selling Stocks? Should I Do It?
Advertising Disclosure This article/post contains references to products or services from one or more of our advertisers or partners. We may receive compensation when you click on links to those products or services Did you see the movie The Big Short? Based on a true story, it told the story of what happened when several hedge fund managers, investors, and one bank salesman shorted the subprime mortgage market. In the simplest possible terms, these men bet that mortgage holders would default.
13 Ways to De-Stress Without Breaking the Bank
6 second take: Self-care doesn’t have to break the bank. Check out these great ways to de-stress for absolutely free. I get stressed out at least once a week. Some days, our internet goes out, there’s a leak in the roof, I get a flat tire — and that was just a Monday. Not to mention the little global pandemic we’re living through. Sometimes I need to find ways to de-stress.
How Much to Budget for Car Maintenance
6 second take: While figuring out how much to budget for car maintenance can be confusing, it's not impossible. There are some great things about owning a car. You can travel anywhere you need to go, you can take whatever shortcuts you like, and you can do it all without having to spend too much time on a busy subway or crowded bus. The only problem? Cars need maintenance, and many people may not know how much to budget for that.
Dealing With Money Anxiety: Top Tips From a Pro
6 second take: If you ever want to maximize your wealth, you must be willing to deal with your own baggage — including your money anxiety. I’ve always been a mama’s girl. I was “foot to foot” behind my mother, as Antiguans would say. So when my father unexpectedly abandoned my mother, my brother, and me, I not only carried my hurt as a fatherless daughter, but I also assumed my mother’s hurt as a woman scorned.
Women’s guide to charitable giving
The smell of pumpkin spice is in the air and seasonal decor is popping up in windows everywhere – it’s officially holiday season! Holiday season is defined in large part by slowing down, thinking of others and giving time and money to causes and people you care about. A study published in 2018 found that 30% of annual giving happens during December alone. Donating with your dollars is a powerful way to advance causes that are important to you.
Things We Disagree On on Apple Podcasts
48 min The question we (Kara and Tanja) get more than any other from listeners is: “Do you two agree on everything?” Because when we talk about money and feminism, we share views on a lot of things. But turns out, we don’t agree on everything! Not even close. And today we’re getting into just a few of the things we disagree about, some light and fluffy, and some big and heavy.
The Fairer Cents: Women, Money and the Fight to Get Equal: #16
50 min Sometimes we take for granted on The Fairer Cents that everyone shares the same understanding of the term “feminism,” but of course that’s not true. So today we’re digging into the term a little bit – what it is, and what it most certainly is not.
Money Stress Is An American Problem; Here's How to Fix That
Americans are stressed out about money. The statistics about Americans and money aren’t great in most cases; in 2015, 76% of CFP’s said that their clients number one financial stressors was healthcare costs. A 2016 survey of Baby Boomers revealed that 60% fear running out of money in retirement. And 30% of adults in the US feel stressed about money constantly. Money is supposed to be a tool. But when you don’t understand it, or earn enough of it, it gets to feeling stressful really quickly.
The Fairer Cents: Women, Money and the Fight to Get Equal: #19
58 min Some people face more challenges than others when it comes to earning money and navigating the work world, many for reasons that are apparent to all of us. And then there are those of us who look completely "normal" in the eyes of the world, but face struggles that others can't see that limit our ability to do even the most basic tasks.
Season 2 Wrap-Up on Apple Podcasts
37 min Today we’re reflecting back on season 2 of The Fairer Cents, and share a bunch about what’s to come in season 3, and even sooner than that! From our favorite episodes to this season to the tough moments, we dig into all of it. We give a preview of what’s coming in a few months (HOUSEHOLD NAMES, y’all!), and share our plans for in between the seasons.
Money Matters Presented by Freshbooks: Fear, Love, and Business — Pass/Fail
Written by Kara Perez My adulthood has been colored by financial anxiety. For the first three years out of college, I worked as a waitress. No one cared about my English degree when I graduated in 2011, and the longer I went without getting a ‘real’ job, the harder it became. Today, I own Bravely, a pop up financial education events company. We host events around the US that center on different money topics.
The Fairer Cents: Women, Money and the Fight to Get Equal: #5
56 min Let’s de-escalate the privilege discussion, shall we? It’s so important to acknowledge privilege, but not to wield it as a weapon. On this episode, Kara and Tanja dig into privilege – what it is, why it’s so important to talk about especially when the subject is money, and how we can talk about it without picking fights. Our guests are Liz Thames, writer of the Frugalwoods blog and the forthcoming book Meet the Frugalwoods, and Oliver Griswold, who tweets like a maniac at @originalgriz.
The Fairer Cents: Women, Money and the Fight to Get Equal: #14
44 min Today we’re taking on the first topic in which neither of us has a direct stake: motherhood! But recognizing that most women are not child-free by choice, as we both are, we wanted to take on this critically important issue that affects women and our money.
Student Loan Repayment: The Complete Guide
6 second take: Deep in debt from college? If you borrowed from the federal government, there are several student loan repayment options out there for you. You’re just months away from graduating and staring down the barrel of tens of thousands of dollars in student loan debt. The world’s economy is struggling, and you are worried about being able to repay your loans in time. What now? If you have federal student loans, you’re in luck. Well, as much luck as you can have with student loan debt.
The Complete Guide to Federal Student Loan Repayment
You’re just months away from graduating and staring down the barrel of tens of thousands of dollars in student loan debt. The world’s economy is struggling, and you are worried about being able to repay your loans in time. What now? If you have federal student loans, you’re in luck. Well, as much luck as you can have with student loan debt.
Finding Help When Facing Money Trouble
6 second take: If you or someone you know is considering suicide because of debt, get active, get involved, and most importantly, get help. It’s impossible to ignore how widespread debt is in the United States. American consumers have amassed more than $14.1 trillion in debt — ranging from credit cards to personal loans to home mortgages and more, according to Experian.
Avoid Student Loan Default: 5 Questions to Ask
6 second take: A step-by-step guide to help you avoid any student loan default traps — written by someone who successfully paid off $81,000 in debt. When I graduated college, I did not know about student loan default. I did know that I’d have to pay back my student loans. The problem? I didn’t have a clue how much I owed, nor did I know how to go about paying them back. You see, all throughout college I buried my head in the sand.
How to Know You're Ready for Retirement
Disclosure We are an affiliate for products that we recommend and receive compensation from the companies whose products we recommend on this site. The placement of the links on this site may be influenced by the compensation received by the respective companies. We are independently owned and the opinions expressed here are our own, and not those of any partner bank, credit card issuer, hotel, airline, or other partner.
Alternative Housing Solutions for Minimalist Living
6 second take: Besides being financially "smaller," there are a number of benefits to leading a minimalist life. An average home today sprawls over 2,300 square feet. That’s about 1,000 square feet larger than a typical home in the 1970s. Ironically, family size has either remained the same or, in some cases, gotten smaller. No wonder many people — including those with families — are looking for smaller, cheaper living options.
8 Ways to Pay Off Student Loans Earlier
6 second take: It's finally time to pay back your student loan debt. But how do you get started when it seems overwhelming? You’ve graduated from college, and your grace period is up. It’s time to pay back those pesky student loans. After seeing your total balance, you may be overcome with shock — maybe even a little panic. “How will I ever pay this back?” you wonder. I’ve totally been there. Just a few years ago, that was me.
8 Tips for Budgeting Retirement
Disclosure We are an affiliate for products that we recommend and receive compensation from the companies whose products we recommend on this site. The placement of the links on this site may be influenced by the compensation received by the respective companies. We are independently owned and the opinions expressed here are our own, and not those of any partner bank, credit card issuer, hotel, airline, or other partner.
How to Repay Your Student Loan Debt and Still Rule Your Life
6 second take: Student loan debt should not rule your life. Here's how to avoid letting it. I remember it as if it were yesterday. I was called into the student-aid office so that I could sign my student loan check. To be accurate, I should say that the check was a mix of grants and loans as part of my financial aid package. But it didn’t matter. I remember the moment when the financial aid officer slowly put my $26,000 check — give or take — in front of me.
My Best Friend Has Decided To Go Into Massive Student Loan Debt
6 second take: Taking on student loans? Think about what you can do in the present to ensure a timely debt payoff. As a personal finance blogger, I have been writing about going to college debt-free since I was 16. I see many young adults out there struggling to make payments towards their massive student loan debt. Frankly, I don’t want to be in that boat when I’m older, and I don’t want that for my friends or readers, either.
How to Deal With Depression, Even When You’re Underemployed
We all know we need to take care of our health. Sometimes, that means tending to our mental health. Whether it’s therapy, medication, or both, professional help can be costly. Many of us avoid the subject, quietly struggling to get by day to day. How do we deal with depression when it is so expensive to find treatment? A few years ago, that was me. I was in a deep depression, and I could barely keep it together.
How to Pay Off Student Loans on a Small Salary
6 second take: The 60-year-old you is still you. Make sure you’re looking toward the future by paying off that debt today! I, like millions of other Americans, graduated college with a heavy load of student loan debt that can be difficult to pay off. To be exact: I was $25,302 in debt with no savings and no job. It was just me and my English degree out there in the middle of the recession. My post-college professional life has been bumpy.
BBVA Compass Review 2020
Advertising Disclosure This article/post contains references to products or services from one or more of our advertisers or partners. We may receive compensation when you click on links to those products or services Thanks to the popularity of online banking, banks that were once localized have been able to push past geographic limitations and acquire clients across the U.S. Among these new “national” banks is BBVA Compass, headquartered in Birmingham, Alabama.
How to Survive & Thrive in today's Market
Advertising Disclosure This article/post contains references to products or services from one or more of our advertisers or partners. We may receive compensation when you click on links to those products or services If you're investing in the stock market, does that make you a stock trader? Maybe — but maybe not. Just because you are investing in the stock market doesn't mean you are stock trading. There are several types of investors, and it's good to know where you fall on that scale.
What Happens to Your Money When You Die?
Advertising Disclosure This article/post contains references to products or services from one or more of our advertisers or partners. We may receive compensation when you click on links to those products or services It's not exactly fun to think about, but death is a part of life. Preparing your finances for the aftermath of such a loss ahead of time is vital. When dealing with such an emotional loss, the last thing anyone wants to deal with is a paperwork headache.
Chime vs. Simple: Which One Should You Choose?
Advertising Disclosure This article/post contains references to products or services from one or more of our advertisers or partners. We may receive compensation when you click on links to those products or services The world of banking is undergoing some serious changes thanks to digital technology. Banks now have the option of being completely online and are able to offer services that only 20 years ago would have been nearly impossible.
Interest in Investing Apps Soars Among Young Investors During COVID-19
The number-one question people ask me over the past two and a half months is whether now is a good time to invest. Despite the coronavirus outbreak playing havoc with the stock market, people are hungry for information and opportunities to invest. I would say it's because of the impact that COVID-19 has had on the stock market that people are so deeply interested in Wall Street recently.
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