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!

Why You Should Travel Solo This Summer

It’s summertime, and we’re all in vacation mode looking for travel deals, last minute getaways, or just amazing places that make for jealous worthy Instagram posts. We all want to escape those workplace doldrums, but, sometimes, planning a summer vacation with someone seems like more stress than it’s worth. That trip to the beach would be a great idea, but…

Why Lending Money to Friends is a Horrible Idea

Standing on the sidelines watching a friend struggle is never easy. We’re told to lend a hand to those in need and feel especially compelled when it’s someone we feel strongly connected to. Most of the time, being a friend constitutes offering time and support, but what about when the type of help your friend needs is financial, not emotional?…

5 Ways to Make Extra Money With Little Skill

A common excuse I hear when speaking with someone about making extra money is they don’t have the skills or talent to make it worthwhile. True, there are some areas where you need highly technical skills. I firmly believe that makes up a small minority of money making opportunities. You might be asking yourself why you should make extra money….

Tips & Tricks on Buying a Car: How to Win the Car Game

Car salesmen are notorious to be the best salesmen out there. From the moment you walk into a dealership, they have a meticulous game plan on how to win your business. Recently, I was in the market for a new (used) car. I decided to stop by the nearest dealership from my house to check out their inventory. Of course…

7 Money Myths That Are Holding You Back Financially

It’s no surprise that all of us want to be financially successful. While success is a relative term, some things are universal, like avoiding debt and working towards having a sizable nest egg. We’re only human though, and often times can be our own worst enemies. Some of those instances might be our own doing, but in some cases, it’s…

9 Simple Ways to Get More Money to Pay Off Debt Today

Debt is all around us. The average credit card debt, for those with debt, is just shy of $16,000, as of June 2015. The average student loan debt for the graduating class of 2013 was nearly $30,000. That doesn’t even begin to touch on other forms of consumer debt like car payments. Regardless of the source of non-mortgage debt, it…

Healthy Eating on a Budget, Just Follow These Simple Steps

I survived graduate school on a solid diet of instant ramen noodles, Papa John’s pizzas, and frozen burritos, but I recently decided that it was time to change my ways. Maybe I’m just getting older and realizing that health matters, or maybe health food product marketing is working its magic. Either way, I decided to make the switch to a…

3 Surefire Ways To Set Up Your Day for Financial Success

When I wake up without a plan, aside from feeling frazzled, rushed, and completely unprepared, my finances feel the brunt of the affects. Money spent haphazardly bridges gaps that wouldn’t be there had I put some thought into what my schedule demanded. Even if it takes a small bite out of your sleeping time, taking a few moments to get…

How to have Conversations About Money

Aside from occasional discussions of who owes what at a restaurant table, casual talks of pay raises, or discussions of home purchases, money is not something discussed in my social circle. We have a general idea of what each of us make, and we are relatively open about not being able to participate in something because of cost, but there…