ReadyForZero Launches Its First Ever Android App!


After months of hard work prompted by many requests from people like you, we’re happy to announce the release of our very first Android app! And we’ve already heard some great feedback from users!

“I really like this!!!! So easy to use.”

“Very crisp and responsive UI and very pretty. So far, I’m impressed.”

Enjoying seeing my goals to be debt free at my fingertips.”

With the new app, you can unlock the power of mobile to get even closer to your debt payoff goals. So are you ready to rock your repayment? Here are some of the features you can look forward to with the new Android app:

In The Money vs Happiness Debate, Why Not Choose Both?


Take a moment to think back to when you were just a little kid. You know, the good ol’ days when life was about drinking juice boxes and hanging out in the sandbox. No worries of resumes, retirement funds, or stock options clouding your mind. Now, try and remember what it was you thought you’d be when you grew up. Maybe you were preoccupied with dreams of becoming an astronaut or a doctor. Or maybe you thought you’d make it as a famous artist or actor.

Whatever your imaginings were, you probably weren’t as concerned with the details of reaching that dream – you simply trusted that you were going to travel to space or open up on Broadway. It was probably only later, as you grew older, that you became weighed down by the intricacies of following your aspirations. And inevitably, you probably learned that despite your ambition, passion isn’t always an accepted currency for rent.

A trip to the moon, it turns out, is a pretty pricey endeavor.

Topics We’re Talking About: Getting Thrifty Up in Here


Happy Friday, ReadyForZero readers! This week we’re taking on the topic thrift.

Ever find yourself snowballing your spending only if you start spending on a certain thing in the first place? That’s me with new clothes. I’m perfectly fine shopping my own closet until I actually need something, for instance a new winter coat to replace the original that’s falling apart. Then, it’s all bets off. Suddenly, I’ll also “need” new shoes or “need” a new backpack. When put in the line of temptation, I’m completely susceptible to impulse spending.

Generation Mortgage: Why Gen X Is In More Debt


One thing I notice when reading the news is that people love comparisons – especially when it comes to debt. We compare “good debt” to “bad debt”, we compare levels of debt from year to year, and we compare generation to generation to see who really has it the worst. While comparisons are important for understanding the problems that need solving in our day and age, sometimes I wonder….what’s the point?

Are we comparing to learn more? Or are we comparing to say, “Whew, glad I don’t have it as bad as they do!”? And how can we use these comparisons to truly solve problems instead of simply noting the stats and moving on?

It was with this mindset that I read the latest study of debt highlighted in Fortune. The study compares the amount of debt held by people of each generation to see who really has the most debt. While the results may surprise you, my hope is that what really surprises you is how much each generation really has in common…especially when it comes to debt.

Back to the Beginning: Claire Shares Some of Her Favorite Posts


I’ve been with ReadyForZero for nearly a year and a half now and during that time I’ve had the ultimate pleasure of working with an incredible team of writers intent on creating and sharing the best financial information out there. In scrolling through the nearly 1000 (!!) published posts on the ReadyForZero blog, only one thought filled my mind: can I fit 1000 titles into a single blog post of favorites? Paring down my top choices was tough! I have a special place in my heart for each and every piece of writing that goes out. That being said, after much reminiscing and nostalgia, I managed to narrow down to my picks (though you should have seen my 1st draft… it was mighty long).

ReadyForZero Blog readers, this one’s dedicated to you!

What Happens If Your Home Is Foreclosed On?


In the last few years, many homeowners have seen their homes foreclosed on. When we hear about foreclosures, we often hear about evictions as the bank repossesses the home. However, the entire foreclosure process is a little more complicated than that.

For those who have the means, it’s actually possible to halt the process at various points. A foreclosure isn’t something that just happens at once. It’s a process that can take several months — or even years — to accomplish.

Each state has different laws associated with foreclosure, so it’s a good idea to understand how foreclosure works in your specific state. You can also consult with a knowledgeable real estate attorney. In general, though, there are a few things to expect in most locations:

Feeling Spendy? Do One of These 10 Things Instead


Alright readers, are you ready to get a little warm and fuzzy? Because I’m about to lay out a list of things that feel better than spending money – and it’s going to get a little sentimental. Why’s that? Because when you talk about appreciating the little things in life, you run the risk of sounding a tad cheesy. But these small details can help you add value to your life without costing you a thing. When you’re focused on paying off your debt or reaching a financial goal, any method of motivation can mean the difference between frustration and success.

So where to start? With the small stuff, of course!

Thoreau says it better than I could:

“The invariable mark of wisdom is to see the miraculous in the common.”

To gain such wisdom (and avoid spending in the process), here are ten things you can do that feel better than spending your hard-earned cash:

Are You One Of 800,000 Americans Who Could Benefit From HARP?


With the prevalence of phone and internet scams these days, it’s no wonder that most consumers have a total lack of trust for any financial product or incentive that comes their way. Unfortunately, that means consumers can also miss out on financial incentives that could actually benefit them. Case in point: The Home Affordable Refinance Program (HARP)

According to an article on NPR, many consumers who could qualify for HARP are missing out – approximately 800,000 Americans in fact. How much could HARP be saving them? An average of $200 per month. Read on to find out how HARP works and if you could qualify.

From Broadway to Business and Back: One Man’s Journey to Debt Freedom and Career Fulfillment

Ryan PortraitTotal Debt Paid Off: $30,000
Months using ReadyForZero: 20
Accounts paid off: 5 of 5

“I’d gotten into credit card debt because I wasn’t being a very good manager of my money. ReadyForZero helped me to see there was a finish line.”

Think back for a moment to when you were a child. Do you remember what you wanted to be when you grew up? Perhaps you wanted to be a firefighter, a ballerina, or a famous musician. One thing is certain, when we’re kids, we tend to dream big.

As we grow older, our dreams morph as our personalities and expectations for our futures evolve. But for some, the dream remains the same forever. Now imagine if you were one of those people…but on the first day of college you’re given the following statistic:

Less than 1% of people in your profession “make it.” In other words, you have a less than 1% chance of earning a living doing what you love.

Talk about a punch to the gut. What would you do? If you’re like our most recent success profile, Ryan, you surge through the uncertain future in pursuit of your passion.


The road to our dreams isn’t always easy though – and Ryan’s path is no exception. He’s faced career upswings and downturns and multiple bouts with debt; but he has come out on the other side with two successful careers and a bright financial future ahead. Find out how Ryan was able to achieve his dreams and how the path to debt freedom helped him get there!

Can A Debt Consolidation Loan Lower Your Payments?


Let’s be honest: holding large amounts of debt from multiple sources is overwhelming. The thought of repaying the money you owe may make you want to find the nearest hole that you can disappear into (and not come out of anytime soon, thank you very much).

But understand that you can reach your financial goals — and you can achieve freedom from your debt. Plenty of tools exist to help you, and you can choose various options for making this challenge doable.

Taking out a debt consolidation loan is one of those options. Many who are in debt are curious about this path for repaying the money they owe. But navigating available information online poses a challenge of its own, thanks to predatory debt consolidation companies seeking to take advantage of consumers.

You deserve to know about and understand debt consolidation loans from a trustworthy source — which is why we’ve put together this guide to help answer your pressing questions.

Let’s examine what debt consolidation actually is, if you can get lower payments with a debt consolidation loan, and where to go to originate your loan if you choose this tool to help with your debt repayment.