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Zero Debt: The Ultimate Guide to Financial Freedom
Would You Like to Have Zero Debt? Zero Debt teaches you the exact strategies the author used to pay off $100,000 worth of credit card bills in just three years – without ever missing a single payment. If she can do it, so can you!
Eight out of 10 Americans owe some form of debt. So there’s a good chance that you, or someone you know, would like to become debt free. From excessive credit card bills and mounting student loans to hefty car payments and big mortgages, debt can be crippling – and not just financially.
Debt takes a toll on you in many ways. It hurts your ability to save, invest and create a better life. It impacts your physical, mental and emotional health. Too much debt even spoils relationships, leading to arguments about money and divorce.
Whether you recently got into debt due to circumstances beyond your control, or your own poor choices have kept you in debt for as long as you can remember, know Debt does not have to remain a way of life. Regardless of your situation, you can get on the road to financial freedom – and you can do it yourself in the next 30 days!
If you want to dig yourself out of debt once and for all, you need an action plan. This book is your step-by-step, 30-day plan to jumpstart your finances. It’s simple. It’s easy to understand. And it works.
In this revised and completely updated version of Zero Debt, you’ll
The best ways to pay off credit card debts ( it’s not what 99% of experts tell you) How to eliminate your student loans and reduce auto loans Spending and budgeting tips anyone can use – even shopaholics Insider secrets to negotiating with credit card companies and fixing your credit Your legal rights – and what bill collectors can and can not do under the law Recommendations for reputable debt management firms and credit counselors How to shore up your overall finances so you never go back into debt again Wouldn’t you like to be free from financial worries? Don’t you want to rest at night knowing your bills are paid? You can have peace of mind when it comes to money matters. It all starts by eliminating excessive debt, and using time-tested strategies to save your hard-earned cash.
Eight out of 10 Americans owe some form of debt. So there’s a good chance that you, or someone you know, would like to become debt free. From excessive credit card bills and mounting student loans to hefty car payments and big mortgages, debt can be crippling – and not just financially.
Debt takes a toll on you in many ways. It hurts your ability to save, invest and create a better life. It impacts your physical, mental and emotional health. Too much debt even spoils relationships, leading to arguments about money and divorce.
Whether you recently got into debt due to circumstances beyond your control, or your own poor choices have kept you in debt for as long as you can remember, know Debt does not have to remain a way of life. Regardless of your situation, you can get on the road to financial freedom – and you can do it yourself in the next 30 days!
If you want to dig yourself out of debt once and for all, you need an action plan. This book is your step-by-step, 30-day plan to jumpstart your finances. It’s simple. It’s easy to understand. And it works.
In this revised and completely updated version of Zero Debt, you’ll
The best ways to pay off credit card debts ( it’s not what 99% of experts tell you) How to eliminate your student loans and reduce auto loans Spending and budgeting tips anyone can use – even shopaholics Insider secrets to negotiating with credit card companies and fixing your credit Your legal rights – and what bill collectors can and can not do under the law Recommendations for reputable debt management firms and credit counselors How to shore up your overall finances so you never go back into debt again Wouldn’t you like to be free from financial worries? Don’t you want to rest at night knowing your bills are paid? You can have peace of mind when it comes to money matters. It all starts by eliminating excessive debt, and using time-tested strategies to save your hard-earned cash.
244 pages, Kindle Edition
First published August 1, 2004
101 people are currently reading
189 people want to read
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Displaying 1 - 13 of 13 reviews
March 18, 2012
Clear Concise information to get your financial house in ORDER!
June 29, 2022
This book is very informational. I would recommend this book to people who have all credit types. The points in this book can be used to assist you out of debt or know what to look for when building and trying to maintain good credit. It shows how she got to be debt free and gives tips to those in debt, but it can also be used for people to learn from her mistakes and not get into debt that is unnecessary.
Knowing what others went through can assist you with mapping out your personal credit journey. Whether you are starting or continuing this journey will be based on you. This book touches on information everyone should know and resources we all have access to. This book is in libraries if you are unable to purchase which I would say is a great option. Take notes and be open to the information being provided.
Knowing what others went through can assist you with mapping out your personal credit journey. Whether you are starting or continuing this journey will be based on you. This book touches on information everyone should know and resources we all have access to. This book is in libraries if you are unable to purchase which I would say is a great option. Take notes and be open to the information being provided.
January 3, 2026
This author does not understand what ZERO means. The book title ZERO DEBT is misleading. She did pay off all of her credit cards, but still has a mortgage and auto loan. She considers paying off credit cards to be ZERO debt.
She really needs to read Dave Ramsey “Total Money Makeover” To understand what ZERO DEBT is.
I didn’t finish reading the book. In my opinion, it is not very well written.
She really needs to read Dave Ramsey “Total Money Makeover” To understand what ZERO DEBT is.
I didn’t finish reading the book. In my opinion, it is not very well written.
June 28, 2018
Outdated information and super slow. I liked the idea of just doing one thing a day but many of the items could be tackled in a day for the more motivated reader.
December 31, 2018
okay -lot of info is strictly for US market
February 18, 2019
Read more about my thoughts on this book on my book blog: https://www.bookaddictbooks.com/2019/...
August 7, 2019
Realistic things you can do to improve your financial health
April 8, 2021
Many, many years ago I read this book, and it actually helped me get out of credit card debt!!!
July 23, 2021
Some good points
July 6, 2012
I just received this book through the "Debt Challenge" contest at AARP. Have read it through once and am now tackling the daily "To Do" list.
It doesn't matter how much money you make or if your poorer than Church Mouse. The thing is to begin and do yourself a favor by getting out of debt.
This well researched book is just the one to get you started today. Lots of forms to download, addresses in the back of the book.
The information is amazing and little known facts will truly help you.
You have to own up to your debts and figure out what works for you.
Do you want to go on paying enormous high Apr's which very little goes to the principle? Or rather pay off little debts to free up money.
The choice is yours and with the excellent advice given in this pages you will find a way out of debt.
Everyone should buy this book to clear up their debt and improve their credit score. Even if your not in debt think of what this book could do for families with college students and teenagers.
If they learn before going into debt they will thank you.
It doesn't matter how much money you make or if your poorer than Church Mouse. The thing is to begin and do yourself a favor by getting out of debt.
This well researched book is just the one to get you started today. Lots of forms to download, addresses in the back of the book.
The information is amazing and little known facts will truly help you.
You have to own up to your debts and figure out what works for you.
Do you want to go on paying enormous high Apr's which very little goes to the principle? Or rather pay off little debts to free up money.
The choice is yours and with the excellent advice given in this pages you will find a way out of debt.
Everyone should buy this book to clear up their debt and improve their credit score. Even if your not in debt think of what this book could do for families with college students and teenagers.
If they learn before going into debt they will thank you.
April 5, 2015
Good practical step by step advice on getting your finances on track. Takes you on a journey of completing 30-31 tasks broken up into daily tasks. Do at your own pace, but the sooner you get started, the better you'll feel about your finances. The broken down tasks makes the activities seem attainable. Similar advice as other financial books, just a different perspective on many things. I liked this book. Very useful information.
January 13, 2009
I think everyone should own a copy of this book.
January 5, 2012
This book helped me to get out of debt and become financially fit prior to obtaining a mortgage and car note.
Displaying 1 - 13 of 13 reviews