Get Out of Debt

If you have debt, we can help you conquer it. We’re on a mission to help Americans pay off debt and build wealth. We know that it’s not easy to figure out what to do and that’s why we started this blog. The information below will help you overcome the most common financial and psychological hurdles so you can tackle your debt.

Generation Mortgage: Why Gen X Is In More Debt

One thing I notice when reading the news is that people love comparisons – especially when it comes to debt. We compare “good debt” to “bad debt”, we compare levels of debt from year to year, and we compare generation to generation to see who really has it the worst. While comparisons are important for understanding the problems that need…

What Happens If Your Home Is Foreclosed On?

In the last few years, many homeowners have seen their homes foreclosed on. When we hear about foreclosures, we often hear about evictions as the bank repossesses the home. However, the entire foreclosure process is a little more complicated than that. For those who have the means, it’s actually possible to halt the process at various points. A foreclosure isn’t…

Are You One Of 800,000 Americans Who Could Benefit From HARP?

With the prevalence of phone and internet scams these days, it’s no wonder that most consumers have a total lack of trust for any financial product or incentive that comes their way. Unfortunately, that means consumers can also miss out on financial incentives that could actually benefit them. Case in point: The Home Affordable Refinance Program (HARP) According to an…

How 3 Pro Athletes Overcame Extreme Debt

Thanks to my Ohio roots, I’ve always been a huge football fan (Who Dey!). From going to Friday night football games as a kid and all through high school to my ritual of watching football all day on fall and winter Sundays, this is a hobby that I’ll never grow tired of. And for those who aren’t fans, there’s another…

How a Financial Planner and Her Husband Manage Their Debt

The author of this post is Ann Arceo, a guest contributor to the ReadyForZero Blog. As a financial planner, I definitely feel the pressure to make sure my husband and I keep our finances in tiptop shape. I want to “walk the walk” not just “talk the talk,” but I must admit that following my own advice hasn’t always been easy….

How to Get Out of Credit Card Debt

Recent data from the Federal Reserve indicates that the balances on credit cards in the United States increased by $11 billion in the fourth quarter of 2013. Even though the research indicates that many consumers are comfortable with borrowing again, there are some consumers who are more interested in paying down their high interest credit card debt. One of the…

APR Hikes Loom, Furthers Incentive To Pay Debt Off Faster

As if we needed another reason to kick debt to the curb, there’s rumbling in the market that a hike in the federal funds rate (and thus too the prime rate) could be coming. That would lead to higher monthly payments for anyone with variable interest rates on their debt. Higher monthly payments = less of your monthly payment going…