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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Your Short Term Thinking of Personal Finance is Hurting You

For nearly three years, I worked at a pension fund that managed and protected the retirement funds for half a million teachers, state patrol officers, snow plow drivers and other public workers. If you pay attention to the retirement industry, you know how polarizing these public pensions can be. However, regardless of where you land on the political spectrum, there…

4 Times Saving Money Can Actually Cost You

When funds are limited, spending decisions are the result of a simple dollar-to-dollar comparison – what will result in a lower overall cost right now? If two items are on priced exactly the same, then this works in the consumer’s favor. But sometimes being a smart consumer means spending more money today to receive more value in the long run, or…

5 Must Have Habits That Will Pave the Way Towards Financial Success

If you’ve ever tried to start a workout routine, you’re familiar with the inner struggle that occurs when you’re looking back and forth between your tennis shoes and the couch. You start to wonder how much one little workout really matters in the long run. It isn’t until exercising becomes a habit that you are able to silence the persistent…

Why You Should Call It a Freedom Fund, Not a Savings Account

I spent a significant part of the last year in a battle with myself over whether to stay at a comfortable office job in which the benefits were virtually impossible to beat, or leave for the pursuit of something more fulfilling. What began as a feeling of unease steadily grew into a gnawing worry that staying put would mean feeling…

Follow These 4 Steps to Finally Put Your Money Stress to Rest

Stress and worry begin in the mind as troubling thoughts, but they can quickly snowball into physical ailments such as headaches, high blood pressure, and heart problems. In fact, according to the American Institute of Stress, as many as 90% of doctors visits are for stress-related conditions. When it comes to the cause of stress, studies suggest that many adults agree…

4 Tips to Furnishing a Dorm Room Without Going Broke

With shower shoes, concrete floors and compact beds, getting acclimated to dorm life can be tough. You can try to make the transition easier by purchasing furnishings that feel more like home, but minimal space paired with the financial burden of tuition, means spending a bundle on furnishing temporary quarters just isn’t practical. Whether you are getting ready to start…

3 Ways the Sharing Economy Can Help You Save Big

Sharing resources among friends, family or neighbors has been a common practice for centuries. Whether you need a cup of sugar or a ride to the airport, most of us have become accustomed to tapping into our networks for a little help. But now, with the rise of what is known as the “sharing economy,” sharing resources isn’t just something…

4 Dead Simple Ways to Cut Back on School Supplies

According to a survey by the National Retail Federation, back-to-school spending on items like classroom supplies, electronics, and clothing is expected to ring in around $630 per child this year. For a family on a budget or a teacher looking to stretch a small paycheck, this spending can be a heavy burden. While classroom supply lists might be uniform, there…

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…