Readers Perspective

From time to time, we like to feature guest posts or interviews from one of our many awesome readers. The posts below contain a wide range of advice, insights, and tips. We hope you like them!

Reader Perspective Series

An Amazing and Inspiring Story: How One Guy Lived Off $7,000/year, here’s his story

It’s not every day you read a story like this.  I was lurking on Reddit in their /r/personalfinance section and I stumbled on an incredible story. Anyone who has been drowning in debt can relate to this. The embarrassment, depression, hopelessness. Here’s the quick cliff note version of the story: John tells the story of how he lived off $7,000 in…

Reader Perspective Series

Lockdown Your Spending By Finding Your Perfect Budgeting System

This is a guest post by Christina Brannan, a ReadyForZero blog reader and all-around awesome individual. You can read her previous post here and you can leave her a comment below.  Budgeting: A Key to Paying Off Debt Once you start getting into your debt payoff plan, you quickly realize that you need some sort of budget. After all, how else…

Reader Perspective Series

From Searching to Closing: 14 Need-To-Knows About Buying a House

This is a guest post by Lisa, a longtime ReadyForZero Blog reader who has had many years of experience in the real estate industry. She was kind enough to share some of her best advice with our readers. Enjoy the tips below, and if you ever see Lisa in the comments section, be sure to say hi! In this post,…

Reader Perspective Series

4 Ways I Brought Balance to My Budget

This is a guest post by Holly, a writer and longtime reader of the ReadyForZero Blog. Below she shares 4 ways she has brought balance to her budget (and you can too). 1. Beware the monthly charges (“Oh my,” says George Takei) — The other day I sat down and decided to take a good hard look at our finances…

Reader Perspective Series

Why Living At Home After Graduation Is NOT a Cop-Out

This is a guest post by Natasha, who writes at Refuse To Be Broke. Like millions of others in America, I graduated from college within the last five years. Since graduating in December 2012, I have read a lot of articles about Millennials and found that many times the authors have a negative tone. Sometimes, these articles are very irritating…

Reader Perspective Series

Know Your Limits: Why You Should Calculate Your Own Personal Debt Ceiling

This is a guest post by Janine, the creator of My Pennies, My Thoughts. The debt ceiling in the United States was implemented as a mechanism to limit the amount of national debt that was issued, and since its inception the limit keeps getting increased. Also, since 2001, U.S. government expenditures have outpaced revenues, and interest on the national debt is an…

Reader Perspective Series

The Case for Budgeting: Keeping Your Financial House in Order

This is a guest post by Erin Lowry of Broke Millennial and MagnifyMoney. Budgets are about as fun as sitting on a Greyhound bus for 12 hours while your seat mate takes his shoes off and then eats hard boiled eggs and tuna salad. Yet, budgeting is the only way to ensure you are either successfully climbing out of debt…