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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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…

Get Your Mind Right: How to Change Your Mindset to Reach Financial Prosperity

When it comes to personal finance, it’s helpful to be able to construct a budget, understand why you should “pay yourself first,” be able to apply simple tenets of investing, and know which savings vehicle is best for your particular situation. But while these money management basics are necessary for building your foundation, they won’t lead to financial prosperity. After…

Looking For Motivation? Get Specific With Your Goals

Ever since I was young, I remember my parents getting together with the same group of friends every New Year’s Day to create vision boards. They would spend a few hours sorting through magazines, selecting pictures associated with the things, people, and experiences they wanted to usher into their lives in the upcoming year; and then they would have something…

Creature of Habit? How Shaking It Up Can Revitalize Your Finances

A few miles from my house there is a sushi restaurant that I frequent – and by frequent I mean they know me by name, ask questions about my job, and can place my order without consulting with me first. Yes, I’m that person. But I know I’m not the only one that habitually goes to the same place because…