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 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…

Hidden Emotional Factors That May Be Destroying Your Finances

piggybank

There is a wide range of financial information available to us at any time if we are committed to doing a little research. We can learn how to budget, invest, save – everything we need to know in order to be financially stable. So with all that available information, why are so many of us living financially stressful lives centered…

How to Mentally Approach the Holidays to Avoid Poor Financial Decisions

The holidays are that one point during the year when we have to grapple with the tough task of buying meaningful gifts for all of the important people in our lives while, hopefully, staying within the constraints of our budget. But oftentimes, the buying beats out the budget and we’re faced with that overwhelming guilt when January’s bills remind us…

How to Save Money on Toiletries

save money on toiletries

In my quest to shave a few dollars off of my shopping trips, I am often guilty of cutting corners. Recently, this manifested in the toiletry aisle, where I opted for the $3 package of razors instead of the $8+ package. Since saving was my primary goal, this seemed entirely logical – until I used the first of the cheap…

The Key To Paying Off Credit Card Debt Quickly

While many people are waking up to the cyclical, quick-sand type nature of out-of-control credit card spending, a huge percentage of Americans are still drowning in debt. Recent statistics suggest that the average household owes $7,149, but when you take out those who owe nothing, the actual figure rises to $15,325. Add to that high interest rates — the very…

Understanding Your Money Beliefs

More often than not, the way in which we handle our money has more to do with what our underlying beliefs are than the knowledge we have about how we should be handling it. After all, many of us know logically that it makes sense to have an emergency fund, that retirement is necessary to save for, and that spending…