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!

Don’t Make These 3 Mistakes As a Homebuyer

Buying a house has long been considered an essential element of the American Dream. It’s a rite of passage for many and is often the largest purchase any of us will ever make. Thanks in part to historically low interest rates, more people are buying homes today. There are many things that go into buying a home that can be…

Debit or Credit? Here’s Why All the Stores Are Asking…

I couldn’t stop to think about why every transaction I make at the store requires me to push “debit or credit”. At the end of the day, it makes very little difference to me. The exact amount of money will leave my account one way or another. You would think that every purchase you make with your debit card would…

Do You Have a Fear of Spending? Here’s How I Managed It…

When I was 19 and on my own for the first time, grocery shopping was always a struggle. Not only was I completely clueless when it came to cooking anything besides spaghetti, but the thought of handing over such a huge chunk of my money at the end of every shopping trip made my stomach churn. I was terrified of…

5 Reasons Why You Shouldn’t Buy a House

We’ve all heard it before. The adage that you must buy a house if you’re serious about your money. Some even argue that if you continue to rent you’re foolishly throwing your money away. All you need to do is look at the fact that 17 million people planned on buying a house in 2014. That reflected an increase of…

If You’re Buying a House, Please Don’t Get Married

The news is everywhere. The spring home sale has begun and both buyers and sellers are highly active. Home sales are surging to the fastest pace in the last 18 months. According the Realtor Mag, existing home sales rose 6.1% in March month-over-month. After a quiet start to the year, sales activities picked up greatly throughout the country in March….

Why Intentional Spending is Key to Managing Your Money

The world of personal finance is entrenched in “shoulds.” In fact, do a quick search of the words “personal finance” and you’re likely to find an entire laundry list of all the things you should be doing and all the things you’re already doing wrong. There’s no shortage of opinions surrounding how your money should be managed or spent. Unfortunately,…

5 Common Investing Excuses Not to Give Into

Investing is a vital part to growing wealth. We may not learn it sufficiently in the educational system, but ignorance does not absolve us from the need to start investing at some point. As with anything else in life, excuses can get in the way of accomplishing what we know we need to do. A recent study by Bankrate proves…

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,…