Product Description Would you like to be free from financial worries, rest at night knowing your bills are paid, and have peace of mind when it comes to money matters? Then you need Zero Debt – a 30-day action plan to fix your finances. In Zero Debt, you’ll discover: * How to get annoying creditors off your back * Insider secrets to reduce interest rates or eliminate credit card late fees * Your legal rights – and what bill collectors can and can not do under the law * The best strategies to clean up your credit report or fix errors in your credit file * How to make lifestyle changes that will save you money for decades to come!If you want to be debt-free and achieve financial freedom, you need an action plan to guide you. This book is your step-by-step plan. It’s simple. It’s easy to understand. And it works.
Zero Debt: The Ultimate Guide to Financial Freedom 2nd edition
it may not be the best written book that I have read, but the basis of it is simple and easy to following. it gives you step by step ideas on ridding oneself of debt. the writer is successful in meeting the goals of this book
Rating: 5 / 5
I’m like the first reviewer who is in some serious financial trouble and would like to completely eliminate my debts by any means necessary to start the year off right. I saw Lynnette on TV and thought she made a lot of good points; so does this book. But it isn’t fool proof for getting out of debt in 30 days. So don’t get too excited. This book contains similar information you’ll find for free on the internet, but she did the research. I highly recommed three books, in addition to this one, to anyone who needs some serious debt counseling: Money Troubles, Surviving Financial Disasters, The Bankruptcy Solution. All three writers go beyond bankruptcy and teach you enough to be dangerous.
Rating: 4 / 5
You may think, not another book on debt – I can’t bear it. Most people don’t even want to think about the nasty four letter word “debt” much less face it head on. The author, Lynnette Khalfani, will tell you that you MUST get smart about managing your money and your credit to achieve Financial Freedom. Sticking your head in the sand won’t work. If you’ve been asking, “What in the world have I been doing with my money?”, you need to read this book.
A Peak Inside. . .
Lynnette begins your 30-day journey assuring you that you CAN achieve financial freedom regardless of your current situation. Yes, it can be done – with focus and commitment.
This book is really a self-guided course packed with tons of resources, links, and helpful suggestions – you know, the ones you’ve already heard of but don’t practice. The difference is, she’s inserted them into the appropriate place along your Zero Debt journey. . .
Week 1:
- Stop the flood of credit card offers
- Resolve to stop digging deeper into debt
- Put down everything you owe in writing
- Order your credit report and FICO score
- Negotiate with your creditors to save money
- Switch credit cards if necessary
- Exceed your minimum payments due
Week 2:
- Dispute any inaccuracies in your credit file
- Educate yourself about your legal rights
- Halt credit harassment
- Guard against identity theft to shield your credit
- Set up a good filing and record-keeping system
- Face the truth about your financial situation
- Create SMART financial goals
Week 3:
- Figure out where to get $ to pay off debt
- Scrutinize your spending
- Make a realistic budget
- Find 10 ways to cut spending
- Adopt 5 lifestyle changes to save money
- Adjust your W4 withholdings if you get a refund
- Sell or donate stuff you don’t’ need or want
Week 4:
- Find a way to generate additional income
- Apply for a home equity loan or line of credit
- Refinance your auto loan
- Pick a “Pay Down Your Debt” priority strategy
- Consider the pros and cons of debt management
- Evaluate your existing insurance coverage
- Draw up a will
If what you’ve been doing, isn’t working, it’s time to do something different. Gain back control of your financial future – take the course of Zero Debt!
Rating: 4 / 5
Very good book. She has others – one geared toward college grads that I hear is good. Offers good practical advice, doesn’t talk above you.
Rating: 3 / 5
I have never read a book that has been dead on with reality. If anyone and I mean anyone wants to get out of debt and become well off this book will guide you there. However you better be ready to put your part in it to. I have read this book a few times just so that I wont wonder off into a spenders like I have done in the past. Lynette has guided and kept me on the track to success. YOU WILL NOT REGRET PURCHASING THIS BOOK!!!!
Rating: 5 / 5