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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How Long Does a Bad Mark Stay On Your Credit Report?

Did you cringe the last time you downloaded your free annual credit reports? Or perhaps you don’t even want to look at them because you don’t want to be reminded of the financial and personal messes that have shown up? There’s hope for you yet, because bad marks on your credit report do not last forever. While the average length…

What Is a Good Credit Score to Buy a Car?

You’ve likely heard the doom-and-gloom talk about how lenders have put loans on a much tighter leash in our post-recession economy. And it’s true; lenders are no longer giving out a loan to any old person with a government-issued ID and a smile. So what does this mean for you if you are in the car-buying market? How will you…

How to Set Up a Debt Repayment Plan

Plans are a good thing. Sure, it’s fun to wing it sometimes like on the weekend or when travelling. But when it comes to debt repayment, a plan will serve you much better than if you just go with the flow. That’s because “the flow” makes it too easy to spend extra money and get pushed off your path toward…

How to Find a Legitimate Debt Relief Company

So, you’ve found yourself in a whole lot of debt. Perhaps you don’t know how you got in this mess – charging things here or there, putting fires out on your plastic, getting a degree with a much larger price tag than anticipated – or maybe you are laser clear on the reason why you find yourself stuck in some…

How to Pay Off Your Mortgage Faster (Without Refinancing)

Did you know that mortgages can last for as long as you want them to, whether you are on a 30-year, 15-year, or a 10-year payment term? This is because you have control over how much money you send into your mortgage lender. By using a few of the strategies we discuss below, you can actually pay off your mortgage…

When Life Gets Tough, How To Keep Your Head Above Water

My husband and I went through a trying financial time recently. He lost his job on Halloween of last year, and it took five months for him to find a new one. Truth be told, he’s still in the job market because even though we are thankful that he found this job, he is quite underemployed as far as pay…

24 Ways to Pay Off Your Debt Faster

Are you looking for a shortcut to get out of debt earlier than you are currently on track to do? There are two ways that will build momentum in your debt repayment efforts. The first way is through the creditors themselves granting you some sort of relief, and the second way is for you to change how you are sending…

How to Pay Off Your Victoria’s Secret Card

The Victoria’s Secret Angel Card is one of the most used retail store credit cards in the country. It is both a store credit card and a rewards card in one, and people get drawn to it with the hopes of saving money when shopping for lingerie. Like many other retail cards, this one can get you into debt if…

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…