Author Profile: 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.

9 FREE Apps to Help You Save Money and Make Holiday Shopping Easy

Gone are the days when comparing prices meant hopping in the car and driving from store to store. Or when saving money meant collecting newspapers, clipping coupons, and hoping you remember to bring them with you. Now, instead of wasting an entire day ensuring you have the best deal on one particular item, or missing out on deals because you’re…

Net Worth: What It Is and Why It Matters

Monitoring your personal finances is not always the most straightforward, simple task. There’s a credit card balance here, a student loan there, a raise you’re not sure made much of a difference, and a mortgage that you haven’t tracked since the day of the closing. You might be on top of your bills each month, but are you fully aware of…

Managing Friendships When You Aren’t on the Same Page with Money

Money isn’t normally something I’m self conscious about. In fact, I am generally pretty secure about where I am at this juncture in my life. Then, I see others with more. Much more. When it’s people I don’t know directly and won’t be struggling to find common ground with, it’s infinitely easier to move past any twinge of jealousy I…

4 Things I Learned from Watching the Financial Struggles of My Parents

Nearly every year of my childhood my family would take one large trip followed by several shorter trips, venturing from London to the Caribbean and plenty of places in between. Other purchases were limited – we always drank water in restaurants and dessert was almost always skipped, despite incessant pleas from my sister and I – but my parents always…

How to Lend a Hand When You’re on a Tight Budget

One of the best ways to get into the spirit of Thanksgiving, aside from sitting alongside family enjoying a turkey with all the fixings, is to give back to those who may not be able to have such a celebration. Sometimes, when we’re in the midst of our own financial struggle, it can be easy to believe giving back is…

The Surprising Benefits of Taking on a Side Gig

When I was offered my first, post-college salaried job at a newspaper, I remember being thrilled at the prospect of earning a steady, reliable income every month. I re-read my offer letter over and over, imagining how grown up I would feel once I received that first direct deposit in my bank account. Then it hit and I was beyond…