Author Profile: Ben

Ben

Ben, Content Manager and Writer at 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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Top 5 Best (Free) Spreadsheets for Paying Off Debt

laptop and coffe

When you’re in debt, it can feel confusing and overwhelming – as if you’re trying to find your way out of a huge maze with ten-foot walls and no map to guide you. Luckily, the first step to getting out of debt is to give yourself a map. And that starts with using some kind of spreadsheet or tool to…

3 Fast Ways to Compare Student Loans Using Excel

Excel spreadsheet

This is a guest post by Kaitlin Butler of CommonBond. While there are a lot of great loan calculators out, it can be hard to know where to look when you just want to understand how much you’re going to be paying for a student loan. If you’re starting to shop around for loans, you may want a general picture of…

How We Got Out of Debt While Beating Cancer

Andres and Christina

This is a guest post by Andres and Christina. They have a very unique story to share. See below! We were living a “normal” life when it happened, out of the blue. Steady jobs, a nice rented apartment in San Diego, world travel as often as possible, friends, family – oh, and some debt! Needless to say, cancer wasn’t part…

How I Could Have Paid My $28,000 of Student Loans Off Faster

Trees landscape

This is a guest post by Zina Kumok Recently I finished paying off $28,000 worth of student loans (over the course of three years) while making about $30,000 a year. Paying of my loans so quickly required a lot of sacrifices, but not as many as you’d expect. I didn’t live with strangers, I didn’t get a second job, and…

Christian Debt Consolidation Reviews

Grain landscape

We’ve noticed that frequently when people search for debt consolidation services, they search for companies that identify themselves as Christian debt consolidators. While we’re not affiliated with any religion, we can certainly understand the desire to work with a company that shares your values, especially when it comes to debt consolidation – an industry where there is a significant amount…

Overcoming the Stigma of Saying “I Can’t Afford It”

This is a guest post by Taylor Gordon. It’s like a dagger to the heart.  When you can’t afford something you really want. I’m not talking those instances where you make a decision to be frugal. Rather the moments when you don’t have much extra cash after paying rent, bills, and contributing to your savings account. Whether it’s not being…

Non-Profit Debt Consolidation Reviews

When it comes to debt relief services, there are unfortunately very many predatory companies and organizations out there who don’t hesitate to take advantage of innocent customers. It’s deeply troubling that someone would conspire to purposefully take advantage of individuals who are in debt, yet it’s all too common. That’s why a lot of people take great pains to seek…

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…