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Zero Debt: The Ultimate Guide to Financial Freedom 2nd Edition Paperback – October 15, 2008


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Product Details

  • Series: Zero Debt
  • Paperback: 254 pages
  • Publisher: Advantage World Press; 2 edition (October 15, 2008)
  • Language: English
  • ISBN-10: 1932450807
  • ISBN-13: 978-1932450804
  • Product Dimensions: 8.8 x 6 x 0.6 inches
  • Shipping Weight: 12.8 ounces (View shipping rates and policies)
  • Average Customer Review: 4.2 out of 5 stars  See all reviews (31 customer reviews)
  • Amazon Best Sellers Rank: #653,179 in Books (See Top 100 in Books)

Editorial Reviews

Review

If you ve got credit card debt, you need to get this book and read it. There are some great ideas in there. --Dr. Phil, discussing Zero Debt: The Ultimate Guide to Financial Freedom on his show<br /><br />Want to live debt free? You can with the help of Zero Debt: The Ultimate Guide to Financial Freedom. Here at last is a viable action plan for debt-free living that is both easy to understand and easy to put into action. --Black Enterprise Magazine

From the Author

I know what it's like to have excessive credit card debt. In fact, I know the stresses of having $100,000 in debt. That's the main reason I wrote Zero Debt -- to give people in debt a message of hope: You can conquer your debt! And in many cases, you can do it much faster than you think. If you're drowning in debt, I urge you to pick up a copy of Zero Debt to learn how to quickly eliminate that debt and get on the road to financial freedom.Don't delay ... start dumping your debt today! --This text refers to an alternate Paperback edition.

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Customer Reviews

The author is very direct and gives tips that I didn't read in other books.
ARTVA214
I didn't feel pressured reading the whole book in one seating... I just took my time and read every chapter everyday, and applied what she tells you to do.
AJ Villanueva
If anyone and I mean anyone wants to get out of debt and become well off this book will guide you there.
Mildred Fabian

Most Helpful Customer Reviews

26 of 27 people found the following review helpful By The RAWSISTAZ Reviewers on January 23, 2005
Format: Paperback
You might say Lynnette Khalfani is perfectly qualified to tell people how to get out of debt. She's been onstage with Dr. Phil and Jane Pauley and numerous others talking to people about spending wisely and managing their debt. However, what makes her the perfect candidate is that she was over $100,000 in credit card debt herself and dug herself out of it in only three years. While that fact is very impressive, the valuable step-by-step instructions on how to get out of a financial rut is what makes ZERO DEBT a book you'll really want to have.

Khalfani provides her readers with an easy to follow plan to get out of debt. She starts the lessons by defining debt and how most people find themselves caught up in it. Whatever the reason for the debt, it seems Lynnette Khalfani has a plan for it. From simple requests like opting out of credit card offers to more complex tasks like gathering all your bills and finding out what you owe, ZERO DEBT is well-balanced and simple.

ZERO DEBT is written in an easily followed conversational tone, a helpful trait when talking about finances to those who are already stressed when they pick up the book. Lynnette Khalfani breaks it down for the rest of us and I, for one, am grateful she did. I'll be following her steps to get myself on track financially and plan for the bright future ahead. (RAW Rating: 4.5)

Reviewed by CandaceK

of The RAWSISTAZ™ Reviewers
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55 of 62 people found the following review helpful By Amazon Customer on November 12, 2004
Format: Paperback Verified Purchase
I bought this book because it wasn't available at my library and she was on Tavis Smiley that evening. This book is no more helpful than Oprah money guru -- Suze Orman's book.

I'm loaded down with student debt from college and law school and I'm always on the look out for a solution to ridding myself of that mortgage sized monthly payments. It turns out when you've pared your life down to the bone, a book like this isn't helpful.

The advice is helpful if you're hanging by your fingernails on the edge fielding calls from evil bill collectors. For those of us trying to get rid of 'good' debt -- I'm still looking for a book with a good solution.

She has one good point, though -- don't live your life pared to the bone because there isn't anything to give up when you're in financial trouble.
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28 of 32 people found the following review helpful By Kelly Ann on June 6, 2008
Format: Paperback
The author paid off her debt by cashing in her $80,000 IRA and paid the rest off with her paycheck, interst and all. I don't have an $80k IRA or a Masters Degree or a job with a major tv network. If the system doesn't work for someone wealthy like her - then there really is something wrong! For the average middle class consumer though - who is maxed out on their credit cards - I find no relief in this book. Pretty much it says Just pay off your debt - double your payments even - find some way to make more money to do it. Why did she write a book? This doesn't tell me anything or help me in anyway.
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21 of 24 people found the following review helpful By Loose Leaves Book Review on April 13, 2005
Format: Paperback
This is a 30-day guide to financial freedom. Many may not need to follow the guide verbatim because some things may not apply. The tips start with evaluating your financial situation. Khalfani suggests writing it down, because once you see, in writing, how much debt you have then you can start your blueprint to becoming debt free. Visualize what's causing the undo stress in your money worrying woes. The next and most important step is to determine "how" you're going to get rid of the debt. This is where the pitfall begins. Most think, "If I don't have money to pay the debt, where am I going to get extra money to pay more on the debt?" The answer: Simplify your life. What does that mean? Get rid of those things you think you need (i.e. cellular phones, expensive cars, weekly hairdos, cable TV, etc.). Once you've completed the first two steps, the rest is easy. The first step is always the hardest.

Zero Debt explains financial jargon like: FICO, IRA, adjusted rate, 401(k), etc. before information on the subject is presented. Regardless of your level of debt, you'll find some useful tips in this easy-to-read book. In short, here are some of the basics to experiencing Zero Debt and financial freedom. Evaluate debt. Stop creditors. Talk to your creditors and let them know what's happening. Get rid of the unnecessary; stick with the necessary. Pay more on debt. Check your credit yearly. Check your FICO scores. Write letters disputing discrepancies on your credit report. Don't write the credit reporting agencies; write the creditors directly. Start a budget and stick to it. Consistency. Start a savings plan by making small deposits, and gradually increase them as your debt decreases.

I like Khalfani's approach to becoming debt-free.
Read more ›
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9 of 10 people found the following review helpful By Mahogany Book Club on January 13, 2005
Format: Paperback
Zero Debt shows you step by step what to do about your financial situation.

This guide is full of tips how to stay debt free. You study your spending habits and are shown how to restructure them so you can save more.There are tips on overspending,dealing with you credit card company and how to lower your interest rate. How to obtain your credit report and and how to protect yourself from identity theft.

Zero Debt is a great guide to financial freedom.
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