Money Sense Tips

Do you lose sleep over your credit card debt?

If so, then Zero Debt: The Ultimate Guide to Financial Freedom is the book to help you get back to your debt-free life. This book, which Dr. Phil himself has mentioned on his show, is one of the best books for great advice and a proven plan that you can put into action right away.

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.

In Zero Debt, you will 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

What makes Lynnette Khalfani the perfect candidate for writing this book is that she was over $100,000 in credit card debt herself and got herself out of it in only three years. Khalfani has written valuable step-by-step instructions on how to get out of a financial pothole. The instructions are simple and easy.

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.

Lynnette Khalfani 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.

It makes Zero Debt a book you’ll really want to have in your library.

Zero Debt: The Ultimate Guide to Financial Freedom focuses on not only how to get out of debt, but having money for the future. With how the economy is today, this book is timely for all who are in any amount of debt.