Loading
Tap on the profile icon to edit
your financial details.

Lauren Perez

Credit Card, Banking, Savings and Retirement Expert

Lauren Perez writes on a variety of personal finance topics for SmartAsset, with a special expertise in savings, banking and credit cards. She is a Certified Educator in Personal Finance® (CEPF®) and a member of the Society of American Business Editors and Writers. Lauren has a degree in English from the University of Rochester where she focused on Language, Media and Communications. She is originally from Los Angeles. While prone to the occasional shopping spree, Lauren has been aware of the importance of money management and savings since she was young. Lauren loves being able to make credit card and retirement account recommendations to friends and family based on the hours of research she completes at SmartAsset.

Posts by Lauren Perez:

by Lauren Perez Feb 07, 2018

Many people dread tax season. But if you’re expecting a tax refund, at least you’ll have something to look forward to. With your extra funds, you may be able to buy a new car or pay off some debt. Wondering when your refund will arrive in your mailbox or bank account? We’ll fill you in on the tax refund schedule and how long it takes for the IRS to issue refunds. Read more

by Lauren Perez Feb 21, 2018

Editorial Note: This content is not provided by American Express. Any opinions, analyses, reviews or recommendations expressed in this article are those of the author’s alone, and have not been reviewed, approved or otherwise endorsed by American Express. Read more

by Lauren Perez Nov 13, 2017

It can be worrisome to think about your retirement savings if you’re self-employed or work for a small business. You don’t have to go without retirement savings, though. That’s where a SEP IRA comes in. As with other IRAs, SEP IRAs will have limitations as to how much you can contribute and withdraw. Let’s take a look at the latest SEP IRA contribution limits. Read more

by Lauren Perez Nov 06, 2017

Ever wondered whether you could donate leftover money to charities after you pass away? A charitable remainder trust allows you to do just that. Not only can you donate to charities, but you can… Read more

by Lauren Perez Dec 08, 2017

Ever heard of the financial services industry? Even if you haven’t, you’ve probably interacted with this industry almost every day. Whether you’re an investor, a homeowner, a credit cardholder or… Read more

by Lauren Perez Nov 17, 2017

Depending on where you are in life, retirement may be just around the corner or pretty far off. But for some, retiring at 62 seems too late. Maybe you want to enjoy your retirement and travel the… Read more

by Lauren Perez Oct 25, 2017

The will and knack to get into investing doesn’t come naturally to everyone. Just one look at the stock market can scare anyone away! It’s true that investing in stocks comes with potential risks.… Read more

by Lauren Perez Oct 24, 2017

People often think of buying stocks as a high-stress situation. And in many scenarios, that may be the case. When you get into short-term investing, you’re constantly buying and selling your stocks… Read more

by Lauren Perez Oct 30, 2017

You’ve worked hard for decades of your life, putting in hours of work and paying taxes like the upstanding citizen you are. You’re ready for retirement – who isn’t? You can’t wait to sit back and… Read more

by Lauren Perez Jan 09, 2018

You might associate joint bank accounts with married couples or couples who live together. While those are common situations when a joint bank account can work, there are a number of other… Read more

by Lauren Perez Nov 07, 2017

In this economy, it seems like more and more of us are looking for a way to earn passive income. Whether we need to pay off credit card debt or just need some extra cash, passive income could come in… Read more

by Lauren Perez Dec 04, 2017

You’ve probably heard that investing provides a great way to grow and save money. But getting into the stocks business isn’t a one-and-done deal. It requires research and upkeep to make sure your… Read more

by Lauren Perez Oct 06, 2017

You may have noticed a pesky charge on your credit card bill labeled “finance charge.” Ever wondered what the charge was? The finance charge is essentially how you pay for leaving a balance on your… Read more

by Lauren Perez Sep 29, 2017

Have you ever gone to pay your credit card bill and noticed that you have two balances: the statement balance and the current balance? Turns out each balance is different, but they can often be the… Read more

by Lauren Perez Oct 04, 2017

Ever wondered what the key to financial success is? While it’s hard to pin down one single key, having a budget plays a part. Having a budget is crucial to taking control of your finances. It helps… Read more

by Lauren Perez Feb 09, 2018

You’re probably already familiar with big banks. Banks tend to be huge institutions that stretch nationwide, if not worldwide. Chances are you already have a bank account, too. But what’s up with big… Read more

by Lauren Perez Jan 09, 2018

If you’ve never opened a bank account before, you’re probably wondering how the process goes. For one, what do you need to open a bank account exactly? Whether you’re a bank account newbie or it’s… Read more

by Lauren Perez Nov 03, 2017

Debt can be a tricky thing. One day, you don’t have any debt and the next, you’ve missed one payment and owe that plus interest. While some creditors can be forgiving, others are not, inflicting… Read more

by Lauren Perez Jun 21, 2017

For many, a huge part of growing up and being successful includes owning a home of your own. Of course this is no easy feat since it often requires years and years of dedicated saving to make a down… Read more

by Lauren Perez Jun 19, 2017

When looking at mortgages, you usually have to choose between a 15-year and a 30-year loan. But did you know you may have the option of paying off your loan over 40 years? The 40-year mortgage is not… Read more

by Lauren Perez Oct 13, 2017

So you’ve decided to buy a house after spending years renting. Buying a home is a huge and exciting prospect in anyone’s life. You might think you’ve got it covered. Owning a home often includes… Read more

by Lauren Perez Jun 13, 2017

For many, going away to college provides the chance to live a life without parental restrictions like curfews and allowances. But after those four years are up, an even bigger change lies ahead for… Read more

by Lauren Perez Jun 09, 2017

If you’re looking to buy a home, you will most likely need a mortgage to pay for the home. Most people don’t have enough cash on hand to pay for a house upfront. A mortgage loan provides you with a… Read more

by Lauren Perez May 31, 2017

Buying a home is a huge financial step in anyone’s life. Luckily, you often won’t have to go through the process alone. Many people buy a home with a partner, whether a spouse, sibling or even… Read more

by Lauren Perez May 30, 2017

Looking for a new home can be frustrating. It can be hard to find exactly what you want in a certain neighborhood or in any homes you’ve visited. At some point you might have even thought about… Read more