Zero Debt: The Ultimate Guide to Financial Freedom 2nd edition (Zero Debt ) (Kindle Edition)

by Lynnette Khalfani-Cox (Author)

Editorial Reviews

Review

"This is a great book!" Tavis Smiley, The Tavis Smiley Show (PBS and NPR) -- Tavis Smiley Show

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

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

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.

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Product Details

• Format: Kindle Edition
• File Size: 284 KB
• Simultaneous Device Usage: Unlimited
• Publisher: Advantage World Press; 2nd edition (June 19, 2009)
• Sold by: Amazon Digital Services
• Language: English
• ASIN: B002E19I9M
• Average Customer Review: 4.3 out of 5 stars  See all reviews (23 customer reviews)
• Amazon.com Sales Rank: #89,930 in Kindle Store (See Bestsellers in Kindle Store)

  Popular in these categories: (What's this?)

  #23 in	Kindle Store > Kindle Books > Business & Investing > Personal Finance > Budgeting
  #92 in	Kindle Store > Kindle Books > Business & Investing > Personal Finance > Money Management

Customer Reviews

Most Helpful Customer Reviews

82 of 83 people found the following review helpful:

5.0 out of 5 stars Bling, Bling and Broke No More - Hooray for Zero Debt!, September 10, 2004

By	James Thomas "James Thomas" (Philadelphia, PA) - See all my reviews

This review is from: Zero Debt: The Ultimate Guide to Financial Freedom (Zero Debt) (Paperback)

After taking Lynnette khalfani's Zero Debt workshop at the Learning Annex I was convinced that even I could turn my financial life around. During her workshop, she guided us through a number of techniques to help improve our credit ratings, handle existing creditors, and learned what to say to aggressive bill collectors. The room was packed while she spoke for nearly 3 hours! Honestly, we would have stayed for six hours because the author is a wealth of knowledge.

I would recommend her book (used extensively during the workshop) to anyone deep in over their heads in debt and especially for young college students...the fastest growing segment filing for bankruptcy (we learned during the workshop).

Zero Debt is written as a 30 day action plan. However, it won't take you 30 days to read this gem. The information is delivered clearly and in a reader friendly format that anyone can understand.

18 of 18 people found the following review helpful:

4.0 out of 5 stars D-E-B-T, an ugly word, April 13, 2005

By	Loose Leaves Book Review (Atlanta, GA USA) - See all my reviews

This review is from: Zero Debt: The Ultimate Guide to Financial Freedom (Zero Debt) (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. Most of what she wrote, I've already heard; however, hearing it again didn't hurt. Sure this book is not going to solve your money problem; only you can. But you have to make a concerted effort to stick to the program. The only suggestion, from the author, I don't recommend is going into a debt-consolidation program. Why pay someone to do what you can do yourself with a simple phone call? Think about it. What makes a stranger asking to reduce your interest rate more credible than you, the customer, calling to ask the same question? Not to mention, sometimes those services damage your credit rating. Hmm, something to ponder.

Reviewed by Esther "Ess" Mays for Loose Leaves Book Review

17 of 17 people found the following review helpful:

5.0 out of 5 stars Dig Out, January 23, 2005

By	The RAWSISTAZ Reviewers (RAWSISTAZ.com and BlackBookReviews.net) - See all my reviews

This review is from: Zero Debt: The Ultimate Guide to Financial Freedom (Zero Debt) (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