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Zero Debt: The Ultimate Guide to Financial Freedom 2nd Edition Paperback – October 15, 2008
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Top Customer Reviews
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
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.
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 ›
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.
Most Recent Customer Reviews
same stuff any other debt book tells you. Nothing new and nothing helpfulPublished 11 months ago by Tracey L.
This is certainly a good book to understanding how to become debt free, but there are so many books of this nature out there right now - and I still have a hard time paying off all... Read morePublished 11 months ago by Bostonian
A great book for anyone looking to get their finances under control. I recommend reading this book from beginning to end and read it again - only this time performing one step a... Read morePublished 12 months ago by Carlton J. Stith Jr.
Ugh! Yep, if you're lucky and have unfound money and get a large inheritance you too can be debt free in one year. Nothing but a bunch of bologna! Read morePublished 16 months ago by Arleen K. Hill