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!

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….

When Should You File Bankruptcy Rather than Pay Off Your Debt?


Few financial words sound scarier than “bankruptcy.” And for good reason. Declaring bankruptcy is extremely serious, and it shouldn’t be anyone’s first course of action when dealing with money problems or debt. But for some, this action could provide a solution to serious debt situations. In extremely simple terms, you can file bankruptcy when you owe more money than you…

How We Got Out of Debt While Beating Cancer

Andres and Christina

This is a guest post by Andres and Christina. They have a very unique story to share. See below! We were living a “normal” life when it happened, out of the blue. Steady jobs, a nice rented apartment in San Diego, world travel as often as possible, friends, family – oh, and some debt! Needless to say, cancer wasn’t part…

Minimalism: Fad or Solid Debt Payoff Tool?


When I moved from my hometown in Ohio to New York City, I became sort of an accidental minimalist. By no means did I believe I had too many things in Ohio, but there was no way to transport it all to the tiny half bedroom that was my first place in New York. I still remember separating everything I…

How to Deal with Feeling Unworthy or Unsatisfactory

Clouds landscape

One thing I know is true: my own inner dialogue when I fall short of where I feel I should be is far worse than any criticism I’ve ever received from any outside party. And the truth is, I don’t think I’m alone in this. This internal battle we wage against ourselves when we don’t achieve what we set out…