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!

How To Pay For IVF or Fertility Treatment

Fertility treatments have become more and more popular in recent years with more than 1.5% of babies in 2013 born through in vitro fertilization (IVF). But with a price tag of about $12,400 for one cycle of IVF, the costs remain steep for the average American. Adding doctor consultations, expensive hormone medication, laboratory services if you plan to freeze eggs…

4 Ways to Get Quick Cash Besides Predatory Personal Loans

Faced with an unexpected expense or drop in income, many people turn to predatory loans in an effort to bring in cash quick. However, the ease with which the money can be borrowed comes at a high price. Predatory loans are plagued by hefty fees and a repayment period that most people can’t meet, creating a never-ending cycle of debt….

5 Ways to Pay for a Wedding With Little Money

If you’ve gotten married or attended a wedding recently, you know they can be expensive. The average wedding costs, as of 2014, just over $31,000 and that doesn’t even to begin to touch the cost of a honeymoon! In a perfect world, you would’ve budgeted for your wedding but in many instances that is simply not the case. It is…

Why It Doesn’t Cost $250,000 to Raise A Child

As a parent to three little ones, I can tell you one thing – they can be expensive! Not really earth-shattering, I know, but there is always something they seem to need. As a parent, I want the best for my children. What parent worth their salt doesn’t want that? However, when I hear that it costs nearly $250,000 to…

4 Tricky Pricing Techniques That Are Costing You Money

Picture this: you’re at the store with the intention of buying one particular item, let’s say a television. You’ve settled on a size, but there are three price points to choose from. How do you decide which one you’ll be taking home? And how do really know you’re paying a fair price to begin with? We’re faced with pricing conundrums…

Three Big Reasons You’re Broke (and What to Do About It!)

Do you often feel like you’re living paycheck to paycheck? Does it feel like as soon as you get paid, you go right back to being broke? If you’re feeling a bit hopeless about your financial situation, you’re not alone. More than 75% of Americans are living paycheck to paycheck, with approximately 68% having less than $800 in savings. If…

Money Milestones of a 20-Something

While I only have a few decades of life experience behind me, I can say the most substantial personal growth has occurred in the years between my early and late twenties. Relationships ended, new ones began, and a decade that started with certain career aspirations saw others come into fruition. My beliefs and life directions have changed in substantial ways,…

What To Do When You Need Money for Rent

I remember the day like it was yesterday, only it was nearly 20 years ago. My rent payment was less than a week away and I had no idea how I was going to make the rent payment. I was in the middle of paying off debt and was barely scraping by to do even that. Becoming somewhat frantic, I…

The Top Three Debt Consolidation Loan Companies Online

A debt consolidation loan can offer you a way to get organized and pay off your debt faster. Put simply, it’s a loan from a company that pays off all your current debts and loans so that you have one fixed payment with a lower interest rate and longer payment term. This isn’t always the best option for everyone, but for…

What Happens to My Debt When I Die?

Death is an unfortunate reality of life. With it comes many responsibilities for remaining family members and friends. Like it or not, debt is one of those responsibilities heirs must handle. One might think that when you die your debt goes with you to the grave. That is not always the case, however. In some instances, your heirs might be…