Author Profile: Ben

Ben

Ben, Writer and Content Strategist for ReadyForZero. Benjamin Feldman writes about personal finance with a focus on getting out of debt. He paid off his own credit cards one year ago and now enjoys helping others do the same.

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Why We Created a New Debt Consolidation Tool

For those of us who are paying off debt, high interest rates can be our arch-enemy. Like a movie villain bent on foiling our best-laid plans, a high interest rate can wreak havoc on our debt repayment progress. The reason is pretty clear: when you have to dedicate more of your income to interest payments, you have less money leftover…

Reader Perspective Series

Know Your Limits: Why You Should Calculate Your Own Personal Debt Ceiling

This is a guest post by Janine, the creator of My Pennies, My Thoughts. The debt ceiling in the United States was implemented as a mechanism to limit the amount of national debt that was issued, and since its inception the limit keeps getting increased. Also, since 2001, U.S. government expenditures have outpaced revenues, and interest on the national debt is an…

How to Handle Your First Summer with Student Loans

This is a guest post by Kaitlin Butler. Graduation has come and gone, and for many graduates summer is a time to celebrate their big accomplishment and turn their attention to job searches and catching up on time with loved ones. While all of that is important, the distractions and nice weather can make it tempting to forget about student loans….

Reader Perspective Series

How One Woman Stood Up To Her Numbers and Got Past The Guilt of Debt

Getting past guilt to get out of debt

This is a guest post by Christina Brannan. Everyone who has made the decision to pay off all of their debt has experienced that moment at the very beginning when you actually come to terms with the total balance of everything you owe. Prior to this moment, we generally all have some sort of estimated number that we think is…

Reader Perspective Series

Jen’s Story: Slashing Debt with ReadyForZero

Jen

This is a guest post by Jen Wu. Intro Hello, ReadyForZero Blog readers! I’m glad you’re here on this online community. I have been a timid reader of this blog for a little over a year, and have found great knowledge and – dare I say – financial success, with the content here. I am a big ReadyForZero fan and…

The Big Squeeze: Why Today’s Young People are Not Buying Homes

A number of national media outlets have recently presented new evidence that young people, especially Millennials, are not buying homes at the rate they used to. This is met with surprise by some observers who are not familiar with exactly how difficult the entry to adulthood has been for the most recent generation of college graduates. But it’s met with…

Housing: Is It Better to Rent or Buy?

Rent or Buy a Home

With Spring and Summer often being the hottest seasons for buying a home, many people across the U.S. are currently pondering that classic question: is it better to rent or buy a house? It’s a difficult question to answer because the answer needs to be both very personal and at the same time very impersonal. For example, if national and…

4 Student Loan Mistakes that Make Interest Rates Soar

This guest post comes from our friends over at SoFi, an innovative marketplace that connects alumni borrowers and investors for refinancing private and federal student loans.[1] If you’ve borrowed student loans to invest in your education, you know that paying interest on those loans is simply part of the deal. But while “interest” can seem like an abstract notion when you…