Miranda, Miranda Marquit is a guest blogger at ReadyForZero and a professional freelance writer who specializes in personal finance topics She also runs PlantingMoneySeeds.com. She lives in Logan, Utah.
“I’ve got a debt problem.” This is something that many of us have heard — and probably have even said. I remember when I used to refer to my own “debt problem.” After awhile, though, I realized that debt wasn’t my problem at all. No, consumer debt isn’t the problem. It is only a symptom of the problem.
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When it comes to Things That Cost Money, hospital stays are right up near the top. Even if you have health insurance, a hospital stay can have a tremendous impact on your bottom line. If you have a plan that covers 80% of your stay, and you end up with a bill of $50,000, you still have to come up…
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Every time I shop at a certain store, I’m asked, upon checkout, if I’d like to apply for the store’s credit card and “save 20% off today’s purchase.” Each time, my answer is no. Sometimes it’s hard to say no, since the question is phrased in such a way that I feel like I am saying no to saving 20%,…
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If you’ve seen the “free credit score” commercials on TV, you may have wondered how to get your free credit report and score. This blog post will explain how. Checking your credit report can provide you with insights into how you appear “on paper” to potential lenders and creditors. Additionally, your credit report offers you a first look at the…
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Here at ReadyForZero, we want to help you stay out of debt. We also realize many people want to own a home and in many situations having a mortgage is not considered a “bad” debt. But if you get stuck with a monthly mortgage payment that is too high, you risk getting crushed by your home loan and could see…
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With debt being a major problem for many people these days, and unemployment (as well as underemployment) being an obstacle for many others, a lot of people are turning to the Internet to make extra money from home. One trend that has gotten the attention of many who are trying to pay off their debt faster and/or increase their income…
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It’s bad enough when you feel as though you are being crushed by the weight of your debt. Even worse is when you lose your job on top of it. What can you do if you have debt and you are unemployed? This situation calls for some serious planning – and up front communication with your creditors.
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We’ve been writing a lot about how your finances are related to your career. If your career is going well, chances are your finances are going well too. And a lot of the time, achieving success in your career is about knowing when to quit. Not that you need to quit, of course, For some, staying in the current job…
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One of the products gaining some traction in recent years is the reverse mortgage. Reverse mortgages are becoming increasingly popular as retirees look for ways to improve cash flow by tapping into home equity. Since a reverse mortgage is a form of debt, we thought we’d examine them in more detail and look at some of the disadvantages of reverse…
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One of the problems with credit cards is that the interest rates can result in expensive fees. According to Bankrate.com, the national average for credit card interest rates on November 29, 2012 was 14.02% for a fixed rate loan and 14.58% for a variable rate loan. When you consider that many cards compound interest on the average daily balance, you…
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