Personal Finance Tips

Personal Finance Tips from the ReadyForZero blog. Stay up-to-date on the latest posts by signing up for our mailing list. If you are interested in getting more budgeting tips, please make sure to check one of the appropriate groups to receive posts on that topic!

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…

Should You Tell Your Kids About Your Debt?

If you’re a parent, you know raising a child is no small feat. You do the best you can and hope you’re preparing them to lead successful, satisfying and meaningful lives as adults. There are a myriad of ways to handle the milestones your child faces and there’s often not one clear-cut best way to respond in every situation. Thankfully,…

5 Ways to Make Real Money Without Mowing Your Neighbor’s Lawn

Let’s face it.  You do a quick search on Google for different ways to make money and almost every single result gives you mediocre, unrealistic, and far-fetched ways to make extra cash. Most of these are regurgitated tips that has never changed in past decade. For example, signing up for Inbox Dollar makes you listen/watch ads for less than a…

How to Be Broke and Still Have a Fabulous Vacation

If you’re a person who truly loves to travel and your debt is holding you back, then you need to think outside the box for creative ways to have a memorable travel experience. A resort getaway is not the only way to have a fabulous vacation. As a former broke graduate student, I had to think of different ways to…

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…

3 Reasons Why ReadyForZero is Your Financial Friend

This guest contribution is from Lindsey Carlton. Lindsey is the editor-in-chief at CouponsDaily.com, the leading authoritative expert on all things retail and savings. To read her original in-depth article click here In a nation full of debt, it’s hard to find the best way to pay it off. Between student loans and a plethora of other debts, you may feel like…

3 Emotional Side Effects of Debt and How to Handle Them

Credit: Art G.

The tangible results of debt – calls from bill collectors, denial of loans, a growing stack of past due bills – may seem like the worst part of this ever-growing financial problem. But the reality is, these events would mean little if, underneath the surface, you weren’t dealing with the intense emotional effects of the issue. Being financially indebted to…

5 Reasons To Reevaluate Your New Year’s Financial Resolutions

Credit: Miquel Angel Pintanel Bassets

Dreaming is undeniably easier than doing. So when we sit down to make resolutions at the first of the year, it’s easy to be blinded by the excitement of possibility without much thought of the actions we’ll take to turn those dreams into reality. Then enters the guilt. Guilt that we failed so quickly, guilt that we don’t actually know…

7 Debt Repayment Tips from Someone Who’s Been There

Debt repayment

When I graduated (as a newlywed) with a four-year degree, I also graduated with maxed out credit cards, student loans, and an auto loan. After two years of working, I had paid down some of the credit card debt, but a cross-country move and grad school ran the credit card debt back up, and added more to the student loans….