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Zero Debt: The Ultimate Guide to Financial Freedom 2nd edition (Zero Debt ) | 
 enlarge | Author: Lynnette Khalfani-Cox
Publisher: Advantage World Press
Category: eBooks
(as of 9/4/10 10:29 PDT - Details)
This item is no longer available
Rating:  23 reviews
Sales Rank: 46023
Format: Kindle Book
Media: Kindle Edition
Edition: 2nd
ASIN: B002E19I9M
Publication Date: June 19, 2009
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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 â 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. Itâs simple. Itâs easy to understand. And it works.
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| Customer Reviews:
Showing reviews 1-5 of 23
 Bling, Bling and Broke No More - Hooray for Zero Debt! September 11, 2004
James Thomas (Philadelphia, PA)
86 out of 87 found this review helpful
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.
Dig Out January 23, 2005
The RAWSISTAZ Reviewers (RAWSISTAZ.com and BlackBookReviews.net)
18 out of 18 found this review helpful
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
Zero Debt offers easy to follow sensible advice November 17, 2004
Troy Johnson (Harlem, New York)
7 out of 8 found this review helpful
I read Zero debt in a matter of hours however the lessons learned will last a life time. From the easy-to-understand straight forward advice to helpful web sites and tools Zero Debt is an excellent primer on managing your personal finances. It has certainly helped me.
Better than most other books out there on the topic May 15, 2007
Tara of the Expanse (Boston, MA)
4 out of 4 found this review helpful
Lynnette is keeping it R-E-A-L!! Ok, there is better advice here than any other of the myriads of books on getting out of debt. You can tell the difference between her book and most others! She really cares and has a counseling attitude along the way. There is no gimicks or alluding to techniques that are covered in another book, and no crazy formulas. This is straight talk, and great advice, similar to what a relative would do if she sat down with you every night for 30 days because she loved you and wanted you to get your financial house in order, for good.
Her 30 day plan, which you could turn into a 30 week plan depending on your psychological readinees for change and transformation and amount of work to be done getting clarity and control on the financial front - is heaven sent. I like her approach. I like some other books techniques as well - like David Ramsey- establish 1 month emergency fund first and then tackle the bills. However that in itself is not always wisest. I prefer the pay yourself first through automatic pre-tax deductions, as espoused in the David Bach world, and then start your debt plan.
But Lynnette Khalfani, unlike others, she acknowleges the addictive process of debt. How useless it is to cut up your cards, and go on a debt diet, pay everything off, or get a home equity loan, and then binge later and end up back where you were before. I find her approach to be very real and refreshing. Even her guidance on when and how to call your creditors: early in the morning on a weekday, nicely, and talk to a supervisor.
Following her advice I was able to lower my interest rate on 1 card by 15% APR from 30% to 15%! Additionally, I found out that one of my cards was closed by the creditor, but I never knew, until I called to find out what was going on with the APR!
Finally, I find her advice on prioritizing debts to be really unique versus others. Her advice is start with what is driving you crazy the most, what is keeping you up late at night. For some it might be high APR - but not always. This is what is hugely different from the other authors who assume the APR is the key to MOTIVATING your debt reduction plan. This is WRONG for me, and she was the only author who nailed this! I have a Sallie Mae Financail Career Training loan which is a HUGE rip off. I'm paying 17.5% on $17.5k, and the interest alone amounts to over half the monthly payment required! Crazy. This is my huge motivator, as well as the card closed by the creditor.
No, I don't need any debt snow ball to motivate me (like David Ramsey espouses). I have enough regret with those two to create my own momentum.
The last thing she states which (since I'm not through the book yet, but only on page 44...!) I think is outstanding, is to put all the interest you pay every month in writing. In other words, see in writing how much your debt is costing you. That exercise alone is enough motivation to gain committment to the cause, and overcome other propensities to keep digging.
So far, this has been the one book that has been life changing for me. I had the good fortune to see her in person. Wow is she a force of nature!
Go there, get there, work with her. I think she's the best!
Thanks for reading.
zero debt January 17, 2007
R. Ladson
2 out of 2 found this review helpful
This book was really good. I will be reading it again so that I can apply the steps in order. I am about 50% at my financial goal and plan to reach 100% by August 2007.
Showing reviews 1-5 of 23
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