Author Profile: Shannon

Shannon

Shannon, Community and Customer Support Manager at ReadyForZero. Shannon McNay is a transplanted Midwesterner living and writing in San Francisco. She enjoys writing about personal finance and many other topics while helping ReadyForZero users pay of their debt.

» Twitter  » Google+ 

Can I Consolidate Credit Card Debt?

Credit card debt is a sneaky beast. Whether it comes on in a flash of lightening or creeps up like a long winter snowstorm, the havoc it wreaks can feel like a tornado has ripped through your life. What’s worse, it’s painfully easy to feel as though you’re stuck. That you have absolutely zero options. That you may pay forever…

What Is the Best Way to Consolidate Credit Cards?

We’ve been talking a lot about debt consolidation around here lately…and for good reason. Done right, debt consolidation can be just the tool you need to mobilize the best possible debt payoff plan. This is especially true with high interest rate credit cards that make gaining any progress very difficult if you don’t find a way to lower your rate….

Should I Consolidate My Credit Cards?

What is it about credit card debt that makes it so much worse than other types of debt? I mean, all debt has moments of being tough to deal with…but none quite like the feelings that credit card debt can bring on. Besides being expensive (and often coming with unnecessary feelings of shame), credit card debt can be so darn…

Meet Lisa: The Working Mom Who Flips Houses to Pay Off Debt

Lisa

Total Debt Paid Off: $9,154 Accounts paid off: 2 Months using ReadyForZero: 3 “The debt payoff is the biggest thing. That’s going to take many years. The second thing is to start saving for retirement. When you’re young, you just don’t realize how quick life goes; and before you know it you’ve got retirement only 20 years away. So that…

Debt Consolidation vs. Debt Management

As if debt weren’t difficult enough to deal with, the financial world seems to want to throw countless terms and definitions into the mix that all sound sort of the same but are basically different. Then they exchange them freely even though they’re defining one thing with a term from something else. When researching our options, it’s enough to want…

Debt Consolidation vs. Credit Counseling

How many times in your journey with debt have you thought, “Why can’t someone just wave a magic wand for me and make this all go away??” When I was feeling lost in my struggle with debt, I must have thought this a million times. Luckily now I feel like I have a handle on the situation – but it…

Best Student Loan Refinance Companies

In the nearly ten years since I graduated college (!), the face of student loan debt has changed quite a bit. In my college days, we mostly joked about our loans. My classmates and I would look at our total debt number in comparison to our major and say, “Yeah, we’re going to be paying that off well into middle…