(via @AndreeaHirica) “ReadyForZero is a free, online financial program that helps people get out of debt. It automatically pulls in all their financial data, helps them make a plan, and tracks their progress as they change their financial behavior for the better. The tool focuses on using research based, data driven, and user tested design to empower people. It takes an the aging industry of debt relief and applies new technology to make both people and banks happier.”