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 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, if…

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…

Debt Free 101: The Basics of Paying Off Debt

You’ll reach debt freedom—the question is just “when?” Will it be 10 years from now, 20 years from now, or 30 years from now? Or will it be sooner? Nobody wants to spend countless dollars in interest payments when they don’t have to — I sure as heck didn’t want to – so let’s look at the basics of getting of debt…

Pay Off Debt Faster by Lowering Your Budget for Each Spending Category

When you’re paying off debt, every dollar counts. Each dollar that goes out of your household for some other purpose — snacks, coffee, after school activities, membership dues — is one less dollar to get you to your ultimate goal: debt freedom. Of course, at ReadyForZero we always recommend a balanced approach that includes reducing expenses wherever possible while leaving…