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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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…

How Can I Consolidate Credit Card Debt with a Personal Loan?

You’re in debt and you want a lower interest rate in order to repay your debts faster, but you’re not sure how to get one. One option is through debt consolidation with a personal loan. What does that mean exactly? It means taking a personal loan, such as from a bank, credit union, or peer to peer lender, and using…

How Long Does a Delinquency Stay On My Credit Report?

When life gets crazy, it can be hard to keep track of payments, and occasionally one slips through the cracks. At the same time, despite our best intentions, we sometimes find ourselves unable to make a payment for financial reasons. No matter what the cause, a delinquent payment is never fun for a borrower to deal with. First, you have…

What Are the Best Secured Credit Cards?

While we at ReadyForZero don’t recommend using credit cards, there is one type of credit card that can sometimes be useful for people who are climbing their way out of debt. That type of card is a “secured credit card.” The reason a secured credit card is different than a regular credit card is that it works more like a…

Does Paying Off a Loan Early Hurt Your Credit Score?

In the world of personal finance, there are few subjects as engrossing as the credit score. Financial services providers want to know how consumers will handle credit, and are obsessed with checking credit. Consumers themselves are interested in keeping their scores in tip-top shape so they can save money by getting access to the best interest rates and other good…

How to Get a Personal Loan with Good Credit

There are times when you might want a chunk of cash, but you don’t want to pay the fees that come with a cash advance — and you certainly don’t want the high interest rate. In these cases, a personal loan can help. If you have good credit, it’s possible to get a personal loan at a reasonable rate, no…

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…