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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6 Things to Tackle Before Purchasing Your First Home

Unless you have the funds to buy an island, a home is likely the largest purchase you’ll make in your adult life. Strapping yourself to a 15-30 year mortgage is clearly not something to take lightly, and the financial process required to finalize the sale ensures you never take it as such. But while there are several hoops you must…

5 Things to Know When Getting a Loan for a Motorcycle

Ready to hit the open road with a brand new, or new-to-you, motorcycle of your own? Before you start shopping for the ride you’ve always dreamed of, it’s important to consider your overall financial picture and what lenders might be willing to offer you. It might seem like shopping for a motorcycle loan is the same as shopping for a…

4 Ways to Get Quick Cash Besides Predatory Personal Loans

Faced with an unexpected expense or drop in income, many people turn to predatory loans in an effort to bring in cash quick. However, the ease with which the money can be borrowed comes at a high price. Predatory loans are plagued by hefty fees and a repayment period that most people can’t meet, creating a never-ending cycle of debt….

Traveling Internationally? Here Are a Few Ways I Saved Big

The idea of dropping thousands of dollars on a trip abroad literally gives me hives. As a self-proclaimed money worrier, I have a tough time swallowing any large lump sum payment, and with travel, there’s usually nothing tangible to show for it afterwards. However, travel is something I would have a tough time living without. It might not add to…

4 Tricky Pricing Techniques That Are Costing You Money

Picture this: you’re at the store with the intention of buying one particular item, let’s say a television. You’ve settled on a size, but there are three price points to choose from. How do you decide which one you’ll be taking home? And how do really know you’re paying a fair price to begin with? We’re faced with pricing conundrums…

The Unexpected Ways Meal Planning Helped My Finances

I’ve always been a lazy eater. This is something I’ve known since the first time I was tasked with packing my lunch for school. I might have craved a turkey sandwich with all the fixings, but I would opt for peanut butter and jelly instead. Fast forward 20 years and I suddenly had to contend with the fact that the…

Money Milestones of a 20-Something

While I only have a few decades of life experience behind me, I can say the most substantial personal growth has occurred in the years between my early and late twenties. Relationships ended, new ones began, and a decade that started with certain career aspirations saw others come into fruition. My beliefs and life directions have changed in substantial ways,…

4 Money Lessons I Wish I Learned in School

When I look back to my school years before college, I remember working my way through classic literature and trying to grasp trigonometry concepts that were way over my head. I remember bits and pieces of various wars, and I remember dissecting the organs of animals I would have been fine never seeing. What I don’t remember, is ever hearing one…

Things You Should Know About Paying Off Debt

Whether you’re grappling with six-figure student loan debt or a few thousand in credit card debt, paying it off can be an all-consuming task. Think about it – every time you fork over money for coffee or send in a bill payment, you likely have some thought of the heavy financial burden you are carrying. For some, reaching a zeroed…

Thinking About Being a Co-signer? Here’s What You Need to Know

Maybe you’re a parent intent on helping your new driver purchase their first vehicle or a grandparent eager to see a grandchild sign on the dotted line of their first mortgage – either way, co-signing a loan goes far beyond the warm and fuzzy feeling you might get by lending a hand. Signing your name doesn’t just mean you’re acting…