Author Profile: Miranda

Miranda, Guest Blogger for ReadyForZero. Miranda Marquit is a professional freelance writer who specializes in personal finance topics. She also runs her own blog called Planting Money Seeds. She lives in Idaho Falls, ID.

4 Simple Steps to Take Your Career to the Next Level

Most of us know that some sort of career is necessary. I’m a freelance writer, so my “job” isn’t traditional, but I still have to think about my career overall and make strategic decisions if I want to maintain the earning power that provides me with a place to live and my son food to eat. If you aren’t entirely satisfied…

Confession: I Financed My Car (My NEW Car)

One of the cardinal rules of personal finance is that you don’t finance your cars. You save up and pay cash. Another cardinal rule of finances is that you don’t buy new. With my last car (the car I drive now), I broke both of these rules. And I don’t even feel bad about it. Here’s why:

3 Ways to Use Credit Cards without Racking Up Debt

Credit card debt can be devastating, and hold you back from reaching many of your financial goals. However, that doesn’t mean that credit cards themselves are evil. In many cases, credit cards can be a part of your lifestyle, allowing you to take advantage of free travel and other perks. I regularly fly for free, or enjoy free nights in…

How to Figure Out How Much Money Should Go Toward Debt Reduction

The main thrust of any debt reduction plan should be how much extra you can put toward paying down your loans each month. Trying to figure out how much should go toward debt reduction can be challenging, however. As you try to figure out how much money should go toward debt reduction, here are a few things to keep in…

The One Major Mistake You’re Making When Getting Out of Debt

It seems like there is a lot of potential for problems when you’re getting out of debt. You want to make the right moves, whether you decide to tackle the smallest debt first or whether you focus on the highest rate first. Before you get too caught up in debt snowballs vs. debt avalanches, and worry too much about whether…

10 Bad Financial Habits that Can Ruin Your Future

The things you do today can influence your future. Good money decisions made now lead to a brighter, more financially secure tomorrow. Likewise, there are bad financial habits that can sink your future and lead to debt and devastation. Every money decision you make everyday will influence the outcome of whether you’ll be successful paying off debt or building wealth. As…

How to Spend Money According to Your Priorities

How often do you get to the end of the month and realize that you just don’t have enough money to do all the things you want to do? Maybe you’re even running a deficit for the month because you had more bills than you had income. If you want to break the cycle, the first thing you need to…

7 Debt Repayment Tips from Someone Who’s Been There

Debt repayment

When I graduated (as a newlywed) with a four-year degree, I also graduated with maxed out credit cards, student loans, and an auto loan. After two years of working, I had paid down some of the credit card debt, but a cross-country move and grad school ran the credit card debt back up, and added more to the student loans….

How Overdraft Lines of Credit Work

Bank overdraft line of credit

When you have insufficient funds in your bank account for a transaction, you are usually either denied at the cash register, or you find your account overdrawn, and a fee as high as $45 is deducted from your balance as well. Each of these situations is painful in its own way. But one way to avoid these issues is to…