Author Profile: Fiona

Fiona

Fiona, Guest Blogger for ReadyForZero. Fiona Lee is a freelance writer and a frugalista who loves discovering new ways to save money, especially in expensive cities. After living in New York and Beijing, she now makes her home in San Francisco. You can see more of her work at her website.

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Using Optimism and Forward-Thinking to Get Past Financial Hurdles

Financial setbacks can feel devastating. They impact our lives in so many ways, and it doesn’t feel good. However, no matter what happened, you can move on to take control over your financial life. You can do this with both psychological and practical ways. Here’s how: Be Kind to Yourself No matter what may have happened in your previous financial…

How to Prevent Student Loans from Hurting Your Finances

Whether you’re a fresh grad or you’ve been in the workforce for a long time, student loans are a financial burden. And more and more people out there are facing student loan debt these days. Student loans now top an astonishing $1 trillion in the total amount owed, and that number is increasing every day. With so much at stake,…

What Happens If Your Debt Goes to Collections?

Many of us have been in the situation where a bill has gone to collections. This is particularly true if you have had a catastrophic medical issue, which is the most common kind of bill to go to collections. Thirty million Americans have medical bills in collections alone, and that’s not counting the folks who face other issues.

What Happens If I Can’t Pay My Medical Bills?

One accident or illness can change your entire life. And I’m not just talking about the impact on your physical health, but your financial health as well. Even if you do everything right, medical bills can throw your finances into chaos. With medical bills the single biggest factor in bankruptcy in the United States, here are a few actions you…

How to Use Free Software to Get Out of Debt

What kind of tools do you use to help you get out of debt? If you’re looking to go beyond your trusty spreadsheet or the envelope method, here are a few recommendations for how free software can help you get out of debt and get you closer to achieving all your personal finance goals.

Can You Buy a Home With Bad Credit?

Buying a home with bad credit is possible, but it’ll be more expensive for someone with a bad credit history compared to someone with good credit. While you might be tempted into purchasing a home, you’ll need to be brutally honest with yourself about what you can and can’t afford. Here are a few things to consider if you’re thinking…

What Happens If You Owe the IRS Money?

For most of us, we have a nice tax refund to look forward to. But for others, we may discover we owe the government money. If the amount is large, you may not have the money readily available to pay off the bill. Here’s what you can do if you find yourself owing a significant amount of money to Uncle…

Practical Tips to Stop Keeping Up with the Joneses

If your friends overeat, you’re more likely to overeat. If your friends are active and sporty, you’re more likely to be active. And if your friends like to spend money, you’re more likely to spend too. In a society that revolves around conspicuous consumption, a big part of our consumer culture is about performing wealth for other people—both our actual…

How to Organize Your Finances for the New Year

What was 2013 like for you financially? Are you in the black or the red? Did you accomplish your financial goals?  We’re rapidly approaching the end of 2013, and many of us will be on vacation. After all of the hubbub of shopping and gifting, the holidays are a good time to take stock of your financial life over the…

How to Network on a Budget

Getting a job is always about who you know. With unemployment still at high levels, even those who are employed sometimes feel uncertain in their position. Since sending resumes online is akin to sending it into a black hole, you need to network to reach your next job. And if you’re not careful, that can bust a hole in your…