Tag Archives: personal finance

Our Readers Are Smart!

A couple of weeks ago, we held a Twitter giveaway for a yet to be released Kindle Fire to celebrate the re-launch of our product. To enter, all you had to do to is  follow us on twitter (@readyforzero) and tweet us your favorite money saving tip. Yesterday, Amazon finally released the Kindle Fire and we shipped it out right…

Basics of Bankruptcy: How to Know When it is Your Best Option

For people who are really struggling with debt, there often comes a time when climbing the mountain back to fiscal solvency seems impossible. At that moment, bankruptcy may seem like the best way out.  And sometimes it is.  But it’s certainly not an easy way out, so it’s something that should only be entered into after careful thought and deliberation….

Daily Spending: How Much Does it Cost You?

Anything you do every single day — day after day after day — can have a powerful impact on your life, whether it be negative or positive.  Practice your jump shot everyday, and over time you’ll become the Michael Jordan of your neighborhood.  Pull out a cigarette everyday, and over time you’ll likely become the wheezing, coughing, non-Michael Jordan of…

6 Financial Mistakes you Might be Making

We talk to a lot of people about their finances these days, and see some pretty common mistakes being made. All of these are easy to fix, and yet most people seem to be committing at least one. Are you? 1. Paying the minimums on your credit card statements. We say this all the time at @readyforzero, because it bears…

Personal Credit Reporting From Around the World

In America, your credit score along with your credit report can make or break your ability to secure loans, apply for credit cards or find a decent place to live. The emphasis that our banking system puts on the almighty 3 digit number got us thinking: How is credit worthiness calculated in different parts of the world? From India to…

The Nine Levels of Debt Suffering

One of the frustrating things about debt is that everyone who faces it does so in a unique (and uniquely challenging) way.  To paraphrase from Dante’s Inferno, there are at least Nine Levels of Debt Suffering in the 21st Century — and probably more.  Since it’s Friday, let’s have some fun and define these Nine Levels.  After all, they say…