Author Profile: 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 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…

Should I Do the Debt Snowball?

If you’ve done any Googling on how to pay off your debt, you’ve likely run across the advice of financial gurus like Dave Ramsey. Dave’s pretty famous for advocating a debt-payoff method known as the “debt snowball,” and plenty of people swear by his system. No, you don’t have to wait for winter to roll around again to put the…