Author Profile: Kayla

Kayla

Kayla, Guest Blogger for ReadyForZero. Kayla Albert is a proud Colorado native who enjoys writing about the emotional side of personal finance, as well as sharing tips on saving money and getting out of debt.

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3 Emotional Side Effects of Debt and How to Handle Them

The tangible results of debt – calls from bill collectors, denial of loans, a growing stack of past due bills – may seem like the worst part of this ever-growing financial problem. But the reality is, these events would mean little if, underneath the surface, you weren’t dealing with the intense emotional effects of the issue. Being financially indebted to…

5 Reasons To Reevaluate Your New Year’s Financial Resolutions

Dreaming is undeniably easier than doing. So when we sit down to make resolutions at the first of the year, it’s easy to be blinded by the excitement of possibility without much thought of the actions we’ll take to turn those dreams into reality. Then enters the guilt. Guilt that we failed so quickly, guilt that we don’t actually know…

Does Debt Consolidation Help or Hurt Your Credit?

If you’re struggling to make the minimum payments on your debt, missing due dates and not making any substantial headway in the process, you’re credit score likely already mirrors your situation. After all, these three numbers are supposed to be the quickest snapshot of your financial health and ability to repay creditors. Debt consolidation may be an option you’re considering…

3 Questions to Ask Yourself Before Pursuing Debt Consolidation

Bills can spur a great deal of anxiety – especially when they represent a seemingly insurmountable pile of debt. If you’re struggling to make payments to multiple creditors at various amounts on different dates throughout the month, you’re likely feeling the pressure. Debt consolidation and the promise of wrapping each debt into one predictable monthly payment might seem like the…

How to Deal with Feeling Unworthy or Unsatisfactory

Clouds landscape

One thing I know is true: my own inner dialogue when I fall short of where I feel I should be is far worse than any criticism I’ve ever received from any outside party. And the truth is, I don’t think I’m alone in this. This internal battle we wage against ourselves when we don’t achieve what we set out…

Affordable Winter Vacation Ideas

Snow winter vacation

Summer might scream “vacation” for most people, but winter’s frigid temps and long list of holiday obligations might offer an even better reason to pack up and get out of town – or at least take a break from the day-to-day. Whether your budget has room to spare or it’s already stretched thin, there are plenty of ways you can…

5 Strategies To Help You Get Back Up When Life Knocks You Down

Setbacks, financial or otherwise, can feel like a giant punch in the gut when you’re clocking the 25th mile of a marathon. Once the momentum is disturbed so jarringly, it can be a huge challenge to correct course and keep moving forward. However, it’s not impossible — and you’re still in a better place than when you started at mile…