Author Profile: Amanda

Amanda

Amanda, Guest Blogger for ReadyForZero. Amanda Grossman is a professional freelance writer who specializes in personal finance topics She also runs FrugalConfessions.com.

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Everything You Need to Know About Couples Finances

I’ve been married for almost four years now. When Paul, my husband, and I got engaged around 5 years ago, we decided that it was time to combine our finances. Not only did we combine finances, but we combined our debt loads and found that we had a total of $25,000 more to pay down. That’s the thing with combining finances…

How to Compare Student Loan Consolidation Rates

Are you considering consolidating your student loans? There are many reasons to do so, such as having to make fewer payments each month (before consolidating my own student loans I was writing out five different checks each month), having to keep track of fewer due dates, and locking in a lower interest rate. Whether or not you should consolidate your…

How to Pay Off Your Macy’s (Or Department Store) Credit Card

Were you enticed by a department store credit card discount offer? These types of offers are extremely popular because department store credit cards are notoriously easier to get than any other type—allowing you to start building up your credit score—and also because you get an immediate discount on the purchase you are about to make should you get approved (instant…

How to Pay Off Your Amazon Card

Did you sign up for one of those can’t-miss offers where you get a free $50 gift card to use at the world’s largest online marketplace in exchange for an approved Amazon Visa Credit Card? It can be hard to turn down, especially since their system is set up to instantaneously give you the credit on a purchase you are…

How to Pay Off IRS Tax Debt

IRS Debt

On a scale of things we want to do—the top being something like cruising up and down the California coastline in a svelte corvette and the bottom being poking ourselves in the eye—paying taxes probably comes somewhere after having to eat a bowlful of your least favorite food (lima beans, anyone?). Yet almost everyone has to do it. And not…

7 Ways to Reduce Your Monthly Spending

During the four years of the recession, neither my husband nor I received a pay raise. We felt fortunate to both be gainfully employed and definitely did not gripe about the situation. However, it was quite obvious that many of the staple items we needed and wanted—groceries, gas, insurance, etc.—increased in cost. Faced with rising costs on the same pay,…

How Do I Stop Credit Card Offers from Littering My Mailbox?

I unknowingly conducted an experiment two years ago. My husband and I love to travel, and I wanted to sign onto one of those credit card offers that gives you free airfare. As the weeks and months went by, signing up for an offer took the back burner to other important things in my life. Even though I didn’t take…

How Do I Find Out What Credit Cards I Have In My Name?

You might think this is an odd question to ask. However, there are several reasons why someone may not know how many and which credit cards are open in their name. For one, some people go on credit card application sprees to take advantage of sign-on bonuses. While this certainly can work in your favor with a decent credit score,…

Should I Use a 401(k) to Pay Off Credit Cards?

My husband and I have been in your shoes before. Our individual and collective debt footprints spanned whatever kind of space $59,492 takes up. By the time we were engaged, we had $25,000 left to pay off and were desperate to get out of it. Why? Because we didn’t want to enter our marriage anchored by past decisions and obligations…