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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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…

Should I Cancel My Credit Card?

When you start paying down your debt, one of the first impulses you are likely to have is to cancel each credit card as you pay it off. Even if you already have most of your debt taken care of, you might want to cancel a credit card you don’t use anymore, or that you don’t like. Before you cancel…

How to Use the Web to Improve Your Monthly Budget

It can be hard to winnow down the expenses in your budget, especially if you’re already to conscious of your spending. But we’re always looking for ways to help you save money. And thanks to the Internet, there are some ways to improve your monthly budget that you might not have tried yet. In addition to the countless blogs that…

How to Closely Examine Your Budget

Often, the first reaction when we think about changing our budgets is something similar to this: “I can’t possibly cut anymore! I’m already spending the absolute minimum!” I thought that, too, at one time. It wasn’t until I became brutally honest with myself and my spending that I realized how my spending habits were impacting my lifestyle and my long-term…

When Will You Be Debt Free? Run the Numbers for Motivation

Calculator

One of the hardest aspects of paying down debt is staying motivated. It’s hard to stay enthusiastic when you can’t see the end game. That’s why, when you sign up for ReadyForZero, we show you when you can expect to make your last debt payment. As you see the date getting closer, you are inspired to keep plugging along and…