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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Check Your Bank Statement, You May Be Paying Unnecessary Fees

If I had been paying closer attention, I would have noticed the monthly fee on my bank statement much sooner. I was paying $5 month for not utilizing my bank’s bill pay service as they required – a small amount, but one that irked me for the sheer fact that I didn’t even remembering signing up for the service in…

New EMV Chip Cards Coming Soon, Here’s What You Need To Know

I approached the counter with my souvenirs. I immediately noticed that there would be a language between the cashier and I. I handed her my credit card hoping we wouldn’t muddle in conversation and just get the transaction complete. I figured my credit card would work in Europe, but boy was I wrong. She had no clue how to slide…

Tricks and Tips on How to Save Money on Attending Weddings

Wedding season is upon us, and for many that means witnessing multiple nuptials in a short time frame. The cost of the wedding might be astronomical, but the cost to be a wedding guest can be just as staggering. With three weddings down and at least four more to go before the end of summer, I’ve been in search of…

That One Store Credit Card That Almost Messed Up My Credit

I stood at the counter, already a bit anxious about dipping into the savings I had started to accumulate after taking on my first, post-high school part time job. Before handing over my debit card, the cashier offered something I just couldn’t refuse at the time: 20% off my purchase if I opened a store credit card. I didn’t hear the…

Here’s How You Can Motivate Yourself When Feeling Stuck

There are three things in my life that help me feel powerful and in control: my exercise routine, eating habits, and financial plan. When these are maintained, I know I’m taking a holistic approach to my life. But each of these things are not always incredibly easy to maintain because, let’s face it, life happens. And sometimes I’d rather sit…

3 Surefire Ways To Set Up Your Day for Financial Success

When I wake up without a plan, aside from feeling frazzled, rushed, and completely unprepared, my finances feel the brunt of the affects. Money spent haphazardly bridges gaps that wouldn’t be there had I put some thought into what my schedule demanded. Even if it takes a small bite out of your sleeping time, taking a few moments to get…

How to have Conversations About Money

Aside from occasional discussions of who owes what at a restaurant table, casual talks of pay raises, or discussions of home purchases, money is not something discussed in my social circle. We have a general idea of what each of us make, and we are relatively open about not being able to participate in something because of cost, but there…

Going on a Road Trip? You’ll Want to Check Out These FREE Apps

No more dreaming of sun-soaked days, flip-flops, and BBQs – summer is officially here. If the warmer days have you itching to throw your suitcase in the car and hit the open road, there are plenty of apps to help you maximize your experience without maxing out your budget. Whether you need to find cheap gas or a hotel that…

Is Boredom Killing Your Budget?

Cubicle burnout is a real thing and I’m currently a sufferer. I’m not sure exactly when it started or what originally spurred it. In fact, it might not even be directly caused by the 3.5 walls I’m surrounded by everyday — it’s probably more about the monotony of life’s everyday routines. I wake up at the same time, make the…

Watch What You Say About Money, It Actually Matters

Words, both those others say to us and those we say to ourselves, can have a huge impact on how we think, act, and feel. If a coworker harshly criticizes our work, it has the power to shift our attitude the rest of the day. If a close friend expresses how much we mean to them, we are instantly lifted….