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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You Can Start Saving a Lot of Money By Following These Simple Steps

Willpower, the well-meant angel on our shoulder, has an extremely tough job to tend to. It’s the over-seer of so many things we’d rather forget: our budget, eating plan, or exercise routine. Despite how hard it works to keep us on the right path, it usually can’t stand up to our whims and cravings. Saving money isn’t easy. It’s something…

Too busy to cook? Check out these 4 meal planning services.

When it comes to meal planning, I’ve had a lot of starts and stops. I put a calendar on my fridge with the idea that I would fill it with dinner ideas every week. I stopped updating it in February. I also worked on compiling favorite recipes into a DIY cookbook only to have it sit on the shelf collecting…

How to Navigate Tough Money Conversations in a Relationship

Do a quick search of the most common things couples fight about and it becomes glaringly obvious what the answer is: money. Yes, there are plenty of other things to squabble over, but several studies have landed on money and finances as the common thread that binds most couples together – or, in this case, tears them apart. Money is…

How I Managed to Quadruple My Savings in Two Years

Saving was never an intentional decision on my part. When checks came pouring in for my high school graduation, I simply couldn’t imagine forking over such a huge amount of cash for anything and not immediately feeling guilty for it. As I watched the amount grow with the relatively meager amounts I earned from side jobs throughout college, the thought…

I Decorated My Apartment For Under $200, Here’s How

Cash strapped with only a few meager belongings to my name, I spent a four-month stint in one of my first apartments dreading any extended amount of time I had to spend there. Fortunately the space came fully furnished – unfortunately, I quickly convinced myself said furnishings were bug infested and couldn’t be trusted. What was my biggest takeaway from…

Why Intentional Spending is Key to Managing Your Money

The world of personal finance is entrenched in “shoulds.” In fact, do a quick search of the words “personal finance” and you’re likely to find an entire laundry list of all the things you should be doing and all the things you’re already doing wrong. There’s no shortage of opinions surrounding how your money should be managed or spent. Unfortunately,…

How Paying Myself First Boosted My Wealth

When I was growing up, my dad used to teach classes on money management and debt. Many of his participants were struggling to clean up their financial mess while trying to learn money principles that would have done wonders for them if it was taught earlier on in their lives. I would sometimes attend – begrudgingly, of course – and…

Lessons I Learned from a Financially Dysfunctional Relationship

A study published a few years ago by a Kansas State University researcher found that having money fights early on in a relationship is the top indicator that a couple would be headed for divorce court down the road. While I have never been married, I can say that a past relationship entrenched in financial dysfunction makes me more than…

How to Spring Clean Your Budget

A few weeks ago, as I was paying my bills for the month, I finally started tracking some changes that had slowly occurred over the past couple of months – the after-effects of lifestyle inflation. Despite lowering my fixed expenses and receiving a pay increase at the beginning of the year, my spending had crept up to that new threshold….