Author Profile: Miranda

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 Logan, Utah.

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What Happens If Your Home Is Foreclosed On?

In the last few years, many homeowners have seen their homes foreclosed on. When we hear about foreclosures, we often hear about evictions as the bank repossesses the home. However, the entire foreclosure process is a little more complicated than that. For those who have the means, it’s actually possible to halt the process at various points. A foreclosure isn’t…

How to Get Out of Credit Card Debt

Recent data from the Federal Reserve indicates that the balances on credit cards in the United States increased by $11 billion in the fourth quarter of 2013. Even though the research indicates that many consumers are comfortable with borrowing again, there are some consumers who are more interested in paying down their high interest credit card debt. One of the…

Can You Buy a Home With No Down Payment?

Prior to the Great Recession, it was fairly easy to buy a home with no down payment. But the mortgage crisis and the financial crisis shook things up a bit. Credit requirements — especially for home loans — tightened substantially. Many home buyers began turning to FHA loans (which require as little as 3.5 percent down as of this writing)…

Small Financial Decisions You Can Make Today to Secure Your Future

You might not think that the small things you do today can have a big impact on your future. However, the truth is that seemingly small things can have a big impact when measured over time. When figuring the course an airplane flies, it’s important to be precise. This is because being one degree off course can mean missing your…

Are There Any Legitimate Debt Consolidation Loans?

debt consolidation

When you have debt, it’s not uncommon to feel that it is insurmountable. The bills keep coming in the mail and you begin to wonder what options there might be for help getting out of debt. One of the methods people often turn to – to make debt more manageable – is debt consolidation. While it’s not the right choice…

How Do I Consolidate My Credit Cards?

When you’re looking at several credit cards with balances, it can feel as though you have few options. It’s difficult, too, because you have all of those separate payments and interest rates. By the time you pay a little more than the minimum on each — and sometimes even if you take a a debt snowball or debt avalanche approach…

What Happens If You Can’t Pay Your Rent?

rent

One of the hardest financial challenges to face is if you can’t pay your rent. Your residence naturally offers a place of security and continuity. Which means, if you are having trouble paying the rent, it’s vital that you do what you can to protect your ability to live in your apartment or home. It’s probably a good idea to…

How to Pay Off Medical Bills

Health care costs continue to rise at a rate that alarms most consumers. Indeed, it doesn’t seem to matter what changes take place in state or federal government policy, health care prices tend to rise every year — just as they have for decades. Unfortunately, income has not kept up with rises in health care costs. Medical bills are weighing…