Get to Zero Credit Card Debt with

Ready For Zero ReviewCreating a plan to get rid of your credit card debt is fairly simple.

First, list out all of your debts and rank them according to one of three methods: highest interest rate (debt avalanche method), lowest total balance (debt snowball method), or most emotional.

Then, start aggressively paying off debt #1, while making minimum payments on the others.

Work your way down the list over the course of weeks, months, years until you are debt free.

Easy, right?

Now a company called Ready For Zero wants that process to be even easier. Their online based tool let’s you securely sign up and provide your credit card details (they pull your total debt from your credit file and they pull details based on the credit card account credentials you provide).

Once you’ve signed up, they suggest a debt reduction plan (based on the debt avalanche), and give you suggestions for paying off your debt quicker, including consolidating your debts with Lending Club for a lower rate (this is partly how they make money).

They also have email reminder to keep you on track each month and to let you know if the plan has changed based on various factors. Here’s what the dashboard looks like: Review Review

Ready For Zero is free and easy to sign up. Literally within 5 minutes you could have your very on debt reduction plan in a pretty, user-friendly online tool. If you are looking for a single, simple solution to help you focus on debt and smash it, I suggest you check out Ready For Zero ( Once you check it out, come back here and let me know what you think.

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Last Edited: May 13, 2013 @ 6:59 pm
About Philip Taylor

Philip Taylor, aka "PT", is a husband and father of two. He created PT Money back in 2007 to share his thoughts on money and to meet others passionate about managing their finances. All the content on this blog is original, and created or edited by PT. Read more about Philip Taylor, and be sure to connect with him on Twitter, Facebook, or view the Philip Taylor+ Google profile.


  1. What a great concept! Thanks for letting your readers know about this.

  2. I think it’s crazy how long it’s taken someone to come up with this simple solution. We’ll see if it’s needed or not though.

    *edit* Let me rephrase that: it’s definitely needed. We’ll see if people use it.

  3. Thanks for the review PT and please continue to let us know your thoughts and suggestions.

  4. My pleasure, Rod. You guys have built a great tool. I wish you the best with it.

  5. I like the fact that Ready for Zero does not require me to enter my entire social security number, only the last four digits. With my name, billing address and the last four of my social security number, Ready for Zero was able to estimate the amount of my debt.

  6. The fact that you have an affiliate link behind the photos instead of an actual enlarged screen shot is disappointing and misleading.

    • A dude I agree that those photos should link to an enlarged version of the pic. I’ve updated them to do just that. I’ve been meaning to update this post as a whole because much of the information is dated.