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.

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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…

What Are the Best Debt Reduction Tools?

One of the most important things to have while getting out of debt is a tool that helps you track your progress. If we don’t know where we’re going, we’re likely to never reach our destination. Below are the best debt reduction tools for managing your debt, creating a plan and finding the motivation to be debt free.

What Happens If You Declare Bankruptcy?

Filing for bankruptcy is a sobering reality and finalizing that decision is not easy. If you’re in the position of wondering whether you should do it and what might happen if you do declare bankruptcy, you probably want some concrete answers about what the process is like and how it will affect your finances in the future. Even if you’re…

How to Pay Off a Harley Davidson Loan

Everyone dreams of buying a new car or motorcycle and driving it off the lot knowing they officially own it. If you recently saw your childhood dream realized and purchased a Harley Davidson, it’s time to celebrate! But before you start dancing, you might have to postpone the celebration until you’ve paid off the loan. Like with any luxury item…

The Best Options if You Need Help Paying Off Your Credit Cards

Too much credit card debt can be both scary and discouraging. Where do you start? What are you options? There are lots of questions, which can lead to confusion and overwhelm you. So how can you get back on top of your financial situation? If you find yourself unable to pay off your credit cards, here are the best options…

The Right and Wrong Ways to Build Credit

Have you tried ReadyForZero yet? It’s a free and secure online tool for managing debt. Try it now. There is a lot of credit advice out there on what it takes to build a good credit score. So how do you know what’s true and what’s false? Below are the myths on how NOT to build credit.

How to Get Through the Tough Financial Times

We all have to go through the tough financial times at one point or another. And the better prepared you are, the less painful it will be to endure. However, this doesn’t make it any easier when you feel like you’re being crushed by financial problems. Here are tips for getting through the tough times with your financial life, and…