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!

Can Poor Credit Affect My Job Search?

You spend hours perfecting your resume and cover letter for your dream job. The interview goes smoothly and the employer wants to offer you the position. But there’s one more hurdle to pass: the background check, which includes a credit screenings. To your surprise, the employer is forced to pursue other candidates because your credit profile doesn’t quite check out….

How to Break the Paycheck-to-Paycheck Cycle

We often think of people living paycheck-to-paycheck as those who earn a lower income or struggle with debt. It makes sense as living paycheck-to-paycheck results in little to no money left in the bank at the end of each month. Surprisingly, the former issue isn’t always the case. A recent survey conducted by CNBC reports that 25 percent of those…

4 Ways Frugality Is A Fool’s Errand

I discovered the wonders of frugality when I was paying off debt. In my previous life, I spent money on any whim that surfaced. Whether it was large or small, I made the purchase with little thought to how I could pay for it. After a few years, my spend crazy ways forced frugality into my life. All of a…

When Do You Cut The Cord on Your Adult Children?

As a parent of three young children, I want to do all I can to provide for them. That’s as simple as providing food and shelter to more long-lasting needs. In every case, we want to do all we can for our kids, which includes sacrificing our own needs or wants as parents. There comes a point, however, when you…

3 Money Tasks to Get Your New Year Started Right

Every New Year, there’s an overabundance of hope that the turning of the calendar will create a significant divide between the old and the new. We like to believe this year will be markedly better than the last, but often times the how of this belief is vague, to say the least. Come the first of January, we’ll suddenly feel…

The One Question I Ask Myself That Helps Me Reduce My Spending

There are many reasons why we make purchases, especially those that could be classified as impulsive. We could be feeling particularly emotional over external circumstances and hope for the burst of satisfaction that comes from spending money. We could be swayed by advertising that convinces us we need what retailers are selling. We could see a friend or neighbor with…

Just Got A Big Raise? Here’s How to Handle Your Extra Money

Getting a big raise can be both exciting and overwhelming. I remember my first significant pay increase. I switched jobs and instantly got a raise of somewhere between 25-30 percent. That may not be a lot to some, though to me it blew open various opportunities. Then the questions came – all primarily around how I should handle the extra…

4 Things I Learned from Watching the Financial Struggles of My Parents

Nearly every year of my childhood my family would take one large trip followed by several shorter trips, venturing from London to the Caribbean and plenty of places in between. Other purchases were limited – we always drank water in restaurants and dessert was almost always skipped, despite incessant pleas from my sister and I – but my parents always…