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 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…

The Art of Conquering Credit Card Debt

One of the most frustrating financial situations to overcome is credit card debt. It’s something that many Americans are dealing with these days, and for most people it’s a very hard situation to overcome — but it is possible. If you dedicate yourself to the task, make a plan, and commit to saving money, you can learn the art of…

3 Ways that Anyone Can Save an Extra $200 Per Month

The first step to paying down your debt is to create a plan. Consider your debt as a symptom, and make a treatment plan to get rid of the disease. But what happens once you’ve started working on your debt repayment plan? Well, now that you’ve got a plan to get out of debt and you’re making progress, it’s time…

How Much Does One Late Car Loan Payment Hurt Your Credit Score?

What’s the impact of one late car loan payment? Well, it can be significant. Because payment history is the most important factor influencing your credit score, a late or missed payment on any kind of debt can change your score for the worse. This is especially true for larger payments, and for installment loans. In many cases, your car loan…

How Does Car Loan Interest Work?

Whenever you borrow, you have to pay for that privilege. And as you no doubt know, the way you pay is with interest. Car loans, like other types of credit, come with interest payments. But there are some different differences between car loan interest versus other types of interest – such as mortgages, credit cards, student loans, etc. Below I’ll…

3 Signs You’re Not Ready for a Mortgage

Even though home ownership is considered part of the “American Dream,” and thought of as a major financial milestone, the reality is that buying a home isn’t meant for everyone. Choosing to buy a home requires a great deal of thought, and you need to make sure that you are ready to take on the responsibility of a mortgage. Since…

How Your Credit Report Determines Your Credit Score

So often we get hung up on our credit scores. But your credit score isn’t the only thing you need to be aware of or even the most important thing. In fact, your credit score is really just a grade that’s derived from the one document that really underlies the whole system, which is your credit report. Those in the…

What Happens If You Can’t Pay Your Mortgage Payment?

What happens if you can't pay your mortgage payment

What happens if you don’t pay your mortgage payment? One of the scariest things that many homeowners have to face is the possibility of foreclosure. When you are faced with the prospect of being unable to pay your mortgage, and the possibility of losing your home, it can be very demoralizing. But there are programs that can help you (more…