Author Profile: Carrie

Carrie, a guest blogger for ReadyForZero. Carrie Smith is the writer and editor behind Careful Cents, a blog aimed to help solopreneurs and full-time freelancers make valuable connections and grow their businesses.

Can You Buy a Car With No Down Payment?

Owning a car is basically a necessity these days. Most of us need it to commute to our jobs, take our kids to school and attend other social activities. But what happens if you need to buy a car right now but don’t have a down payment to put down? The answer is that it can be tricky, but it’s…

Can I Return My Car to the Dealership?

Have you ever been excited to buy a brand new car only to find out that the added taxes, insurance and other fees bumped you well over the “sticker price”? This leads to car owners getting behind on their auto payments and wondering what they can do to get out of the situation. Can you relate? Do you simply want…

What Are the Best Debt Repayment Apps?

Managing your finances on the go is essential in the busy world we live in. We don’t have time to write transactions in a check register anymore, or file away a paper receipt. Thankfully, this technology age has made it very easy to stay on top of your debt while on the go. Here is the list of the best…

How to Pay Off Car Loans Faster

These days owning a vehicle is basically a necessity for getting to work, seeing family and friends, and running errands. But having a car loan attached to your vehicle doesn’t have to be a necessity.

Below are listed some of the best and easiest strategies you can use to pay off your auto loan faster.

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What Is Debt Snowflaking?

Ready to whittle down your debt until it’s non-existent? What’s the best method for your situation? Is there one that you and your partner can both agree on? There are several tactics you can use to get your debt into a manageable state, with one of the more popular ones called Debt Snowflaking. Here’s how it breaks down.

What Is the Debt Snowball?

When you’re in debt, you’ll do just about anything you can to pay down your loans and get your financial life back on track. But, where do you start? It can be an overwhelming and scary process to gather your financial statements and tally your debt totals. There are effective debt reduction tools that can help you get an accurate…

When Is It a Good Time to Buy a House?

Do you have enough money saved up for a down payment? Can you afford to fix any repairs or emergencies? Is now the best time of year to get a really good deal? These are all important questions to answer before purchasing a new home, and are crucial in order to know if now is a good time to buy….

Buying Vs. Leasing a Car: What’s the Smarter Choice?

Just by reading the title of this article you might think you already have an opinion of which choice is the best. But do you know all the facts? Is it smarter to lease a car or purchase one? What’s a smart choice for you now may not be the best one down the road, as your life and money…

How to Pay Off Credit Card Debt (Faster)

I know what it’s like to have debt. In fact, it was less than two years ago that I finally paid off the last of my debt. Most of my $14,000 debt was made up of consumer loans and credit cards, so I understand how much it stinks to see your debts being paid down so slowly. It takes hard…

What Happens if I Can’t Pay My Bills? 6 Vital Steps to Take

Life is often full of surprises and with that uncertainty comes financial ups-and-downs as well. Emergencies can pop up and ruin your budget or make your savings account run dry. These hard times can be attributed to unemployment, a financial emergency, a big change in your personal life, like a job or a divorce. And unfortunately, your bills still have…