Author Profile: 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.

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Battle of the Budget: When Emotions Win Over Logic

I have a confession to make. Last week, I totally blew my budget. Not in a small, Oops, I’ll make up for that later kind of way. More like a, ohmygoodnessdidaliensinvademybrain?? kind of way. It happened after a long day at work, a less than ideal emotional state, and with the aid of much rationalization. And then, in a matter…

This Is How Americans Rank Their Debt… Surprised?

A recent TransUnion Report shows that Americans are changing the way they rank their debt. In the years following the economic crisis in 2008, many focused on paying down their credit cards first – but now they’re shifting their attention to collateral-tied debt such as mortgages and auto loans. These types of debt tend to have larger balances and lower…

How to Reduce the Compounding Stress of Car Ownership

car wheel

Cars – could anything be more imperative to the functioning of our daily lives…and yet so capable of derailing them? A few weeks ago, my parents’ car wouldn’t start – in the middle of an ice storm. They got it towed and my dad took a few days off of work to deal with mechanics, insurance companies, and car dealerships….

Raking in the Rewards

Do you ever hear stories about people who use rewards programs to save extra money, then have a hard time believing they were really able to save that much? You and me both. Then one day I saw a Facebook post from a good friend of mine who said she was able to save more than $4,000 in the past…

Announcing ReadyForZero’s Very First Ebooks!

Here at ReadyForZero, there are a few things that we really love. We love to empower people to pay off their debt and show them the fastest and most motivating way to do so. And we love to help people stay educated on the things they can do to plot out the best possible financial future for themselves. Now we’re…

Meet the ReadyForZero Team: Claire

At ReadyForZero we strive to always be available and accountable to our users. That’s why we personally respond to every e-mail that’s sent to our support inbox and why we have pictures on the About page. Now we’re sharing our stories here so you can get to know the fun and diverse people that are working hard everyday to make…

Is a Low Credit Score a Never-Ending Cycle?


We’ve been talking a lot about credit scores lately, and for good reason. We all have a credit score – whether we choose to play the credit game or not – and that score dictates our future financial situations in many ways. By acting as a report card for our finances, our credit score serves the purpose of telling lenders…