After learning some money lessons in her 20s, Celina Nogueras has mastered the art of saving and investing that are giving her a firm foundation for her financial stability. As a self-made entrepreneur, Celina has made it her mission to create a savvy culture where talking about money is no taboo and supporting women is the norm. For the last few years, Celina has studied retirement, investment, and proper ways to use her income. But without a background in finances and solid role models, Celina had to learn from other experts in the field on how to properly invest her funds.

“I needed to have role models to inspire me, to teach me, and to learn from their stories,” shares Celina who believes in filling the gap for financial literacy among her Latinx community. Through her podcast Jefas & Jevas, Celina has interviewed and connected with women worth a million dollars to learn the right resources and tips on how to multiply money. “I believe a woman should have control of her money and be independent.”

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While Celina continues on her journey of financial freedom, she shared with LatinaWatch how she is investing her hard-earned cash in 2021 and delves on the right steps to saving during a pandemic.

Paying off debts

During her early 30s, Celina learned the mistakes of overspending and realized the benefits of paying off your debts first. She suggests saving at least six months of the things you will need to pay in the future. “In my 20’s I spent all the money I earned. Every time I received a check I spent a third of my income in clothes,” adds Celina. Next time you go on a shopping spree, consider doing a weekly budget. “I am obsessed with counting numbers on my mind. Getting to know your numbers and not getting scared is important for self-control.”

Invest in resources

Celina is aware that good financial literacy is important before starting to invest your money. “You need to invest time learning how to invest money,” suggests the entrepreneur who constantly educates herself about finances. Aside from introducing power players in the finance world through her podcast, Celina also recommends reading the following books: Quit Like a Millionaire and Rich Dad Poor Dad.

Generate extra income

“You need your money to multiply instead of just putting it on your savings account.” This is one of Celina’s golden rules when it comes to investing. She is a believer in generating extra income with her salary and is currently in the process of acquiring her first property. She also advises in creating Airbnb opportunities that produce more cash.

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While the pandemic has brought more mindful spending in humans, there continues to be a lack of awareness when it comes to saving money. One of the main insights she gained during her mid-30s relates to compound interest. Reinvesting her money for the future is the first step to becoming a future millionaire. But also having the freedom necessary to live a peaceful life.