Credit Card Debt

Credit card debt is a common problem in America. If you have credit card debt, we can help you pay it off by showing you how to create a focused, targeted plan. This information will help you learn how to beat credit card debt and start building wealth.

Here’s How to Get a Personal Loan with Bad Credit

When life throws us an unexpected curveball, sometimes we all need a little help. Our first instinct tell us to get a payday loan, but we all know that this is a huge mistake. Payday loan companies tend to have an annual interest rate averaging 400%.  These companies will prey on people that don’t have access to traditional credit. About…

How Low Self-Esteem Could Be Keeping You From Paying Off Your Debt

When we talk about low self-esteem in our society, we often tie it back to body issues and negative feelings about our outer appearance. But self-esteem doesn’t just dictate how you feel when you look in the mirror, it can be the driving factor in how you show up in relationships, what you think you can achieve in your career,…

Money Lessons I Wish I Knew In My Early 20s

I’ve had my fair share of mistakes when it comes to personal finance. Last week I wrote a post about how online poker changed how I view money. I was spending money like there was no tomorrow, splurging on unnecessary items, and didn’t save a single penny of winnings. Ten years later, I look back and think about how things…

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…

What Is a Peer-to-Peer Loan?

You may have heard of peer-to-peer lending as an alternative way to get a debt consolidation loan or other type of loan. But you might not know exactly what it is. And in fact, most people don’t. Peer-to-peer lending is a relatively recent development. It’s a new sector of the lending industry that has been growing pretty quickly and whose…

What Are the Late Fees for Capital One Credit Cards?

Late fees for charges on your credit card sting! Not only are you charged interest on your credit card balance because you did not pay it off within the grace period, but you also have to pay a hefty penalty on top of it. Obviously the easiest way to avoid a late fee is to pay your Capital One credit…

Are You Making These 6 Major Credit Card Mistakes?

Despite great claims to make life easier, credit cards often have a way of making life more difficult. Much more difficult in many cases. Credit card companies make a lot of tempting promises but the truth is: these promises aren’t guaranteed to pan out. Using a card to buy a new gadget gives you the freedom to add material goods…

Years After the Great Recession, Positive Financial Habits Emerge

The past few years have been pretty tough for many Americans’ finances. The Great Recession of ‘08 led to a drastic increase in foreclosures, job cuts for experienced professionals, and a near impossible job market for new graduates. And now, 5 years later, though many are still struggling with debt and worries about future retirement, positive signs are emerging. As…

CFPB Warns Against “True Cost” of Credit Card Promotions

It’s no secret at the ReadyForZero office that math isn’t my strongest subject (though I’m on a mission to never say “I’m bad at math” again). I’m fine with basic math and budgeting, but as soon as I have to start calculating deferred interest, compound interest, and the like, my brain wants to shut down. That’s how just a few…