Author Profile: Kali

Kali

Kali, Guest Blogger for ReadyForZero. Kali Hawlk is a freelance writer and content manager who is passionate about personal finance, careers and business, and all things Gen Y.

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How to Figure Out the Amount You Can Afford to Pay Toward Debt Each Month

Road landscape

“Debt.” It’s a financial four-letter word that you’d rather not talk about. But you know it’s time to face the music and get real with your money. That means doing something about your debt. Hey, I get it. Life is expensive and stuff happens. Sometimes that stuff requires more money than you have on hand. Maybe you needed to take…

Should I Use Peer to Peer Lending To Get Out of Debt?

If you’re in debt and ready to get out of the red, you want to repay the money you owe as quickly as possible. You realized that the longer you carry balances, the more interest accrues on your debts — and the more money those loans and credit cards will eventually cost you. Before you start frantically Googling “get out…

What to Do If You’re the Financial Black Sheep of the Family

How often have you heard a line about the importance of being true to yourself? Of discovering “the real you,” and respecting who that person is? Yes, it’s important that we all learn to celebrate ourselves as individuals. We should embrace those things about ourselves that make us… well, us! But sometimes that’s easier said than done. Let’s face it:…

17 All-Star Bloggers Share Their Best Fall Budgeting Tips

Fall is finally here, and the holidays are right around the corner. For many, this time of year is ideal. The air feels crisp and fresh, the leaves on the trees put on a gorgeous display, and warm spiced drinks take over as beverages of choice. But there’s a dark side to autumn and the impending holiday season. With parties,…

The Secret To Saving? Share-economy (Plus 4 Other Tips)

The success principles of personal finance are pretty simple: spend less and save more. Doing so will help you live within your means and grow your wealth. Knowing this and putting the ideas into action, however, are two different things. It’s not hard to understand that we need to save, but it can be a challenge to make it happen…

What Is a Good Credit Score for Renting an Apartment?

Like any good financial writer and blogger, I love talking about money. Everything interests me when it comes to personal finances. If I know something, I enjoy sharing my knowledge on the the subject. If I don’t know about a particular topic, I want to find someone who does understand it so they can teach me. While most people consider…

How to Decide if It’s Worth Taking Calculated Risks for Financial Gain

Entrepreneurs are often thought of as the ultimate risk-takers. It takes guts to leap into the unknown without a regular paycheck and cushy company benefits. Starting your own business is certainly one big calculated risk. And things can go wrong fast if your calculations were off before you took that leap. I speak from experience: I recently took this calculated…

How to Choose a Legitimate Credit Counselor

Do you feel overwhelmed by your debt situation? Plenty of organizations exist to help those who don’t know how to handle their credit, feel confused about where to start repaying their debt, or don’t understand what steps they need to take to become financially secure. Unfortunately, not all credit counselors act in your best interest. It can be difficult to…

Can A Debt Consolidation Loan Lower Your Payments?

Let’s be honest: holding large amounts of debt from multiple sources is overwhelming. The thought of repaying the money you owe may make you want to find the nearest hole that you can disappear into (and not come out of anytime soon, thank you very much). But understand that you can reach your financial goals — and you can achieve…