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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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…

How to Overcome Relationships That Are Hurting Your Finances

A few days ago, after receiving an indication from a credit card company that I may have a black mark on my credit, I pulled my report. After ensuring that all the accounts were in fact issued by me, I found what they were referring to – a closed credit card account, since paid off, that was reporting two embarrassingly…

How to Be At Peace with Your Financial Situation

In its simplest form, money is the most widely accepted form of currency that we have – paper and metal that we exchange for goods and services. If only it were that simple. The truth is, we don’t just see money as a neutral object that gets us what we need. In money – or lack of money – we…

How to Keep Your Resolution Going Strong

There is something addictively optimistic about the start of January every year. It signals a clearing of sorts, a fresh start, a perfectly acceptable time to begin again. And better yet, this is when inspiration and energy seem to be in abundant supply. Then February hits. And March. At some point during this time of year those resolutions often seem…

How to Maximize the Impact of a Positive Change

Change, no matter the size or scope, can be daunting. The fear that precedes or follows said change can be a hard beast to pin down, appearing for reasons you may not have thought of with your logical, conscious mind. So once you’ve overcome the initial hurdle (or hurdles, as the case may be), established habits to cement the change,…

How to Give Yourself a Clean Slate With Your Finances

As with any other area of our lives, we each carry our own fair share of financial baggage. Whether it’s regret stemming from credit card debt that began accumulating in college, or a bankruptcy spurred by a job loss and an unsustainable mortgage payment, we each have our own financial “stuff” to contend with. But sometimes moving forward means recognizing…

Relationships and How They Affect Your Financial Picture

As much as we might like to think that we can compartmentalize our lives, fitting everything into its respective area with no bleeding from one area to the next, it’s simply not possible. Case in point: relationships and finances. Our finances are just as susceptible to relationship turmoil as our emotions are – sometimes even more so because we may…

5 Things About Money and Psychology You Need to Know

If being money savvy was simply about learning a few basic principles, establishing a few habits, and creating simple systems, there would be more people in the world with a solid financial footing. But the reality is, it’s not just about following a financial blueprint. Even if we were given access to said blueprint, we would still have to figure…