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.

» Twitter  » Google+ 

How Low Self-Esteem Could Be Keeping You From Paying Off Your Debt

When we talk about low self-esteem in our society, we often tie it back to body issues and negative feelings about our outer appearance. But self-esteem doesn’t just dictate how you feel when you look in the mirror, it can be the driving factor in how you show up in relationships, what you think you can achieve in your career,…

How Starting a Fitness Routine Helped Improve My Finances

Athleticism was never my strong suit in school. In fact, I still have flashbacks of the times I was held after gym class to practice stepping with one foot and throwing with the opposite arm. Clearly these were not my proudest moments. This formed the story I told myself all through high school and my early 20s – I wasn’t…

3 Emotional Side Effects of Debt and How to Handle Them

Credit: Art G.

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

Credit: Miquel Angel Pintanel Bassets

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…