Zero Debt
Reissue:\ This is a reprint of the original edition of Zero Debt.\ 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 is 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...
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Reissue:This is a reprint of the original edition of Zero Debt.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 is 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! Book 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. 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.
Acknowledgments1Introduction8Not Getting Ahead?8Are You Robbing Yourself?9The Zero Debt Philosophy10Join the Zero Debt Revolution11Deprivation Doesn't Work12I Don't Have Debt--So This Book Isn't For Me12Who Is In Debt and Why?13How Long Could You Last without Credit?14Take The Zero Debt Path to Financial Freedom15Want To Be Better Off a Month From Now?16Having Excellent Credit--And "Good" Debt17I've Been Deep in Debt Too!18Overview: We're A Nation of Debtors19Generational Debt20Consumer Debt On The Rise Internationally21A Few Words to Over-Spenders22If It's So Simple, Why Doesn't Everyone Do It?25All The Motivation You Need27Diagnosis: You're Suffering From The Debt Disease27Day 1Stop the flood of credit card offers31Trends In Credit Card Marketing32A Sweeter Offer?33The Truth About Credit Card Companies33Are You Playing The Blame Game?34One Easy Phone Call Can Help35Opting Out By Mail36End All--Well, At Least Most--Junk Mail36Day 2Make a resolution to "stop digging."38Why We Spend40Day 3Put all your debts in writing44Why Torture Yourself Listing All Your Bills?44A Wake-Up Call: How Much Do You Owe?45I Debticate Myself to Being Debt-Free46Day 4Order your credit report and FICO score48What is a FICO Score?48Fact Vs. Fiction About Credit Scores51What a FICO Score Considers53Is Credit Scoring Fair To Minorities?54Little-Known Ways Your Credit Impacts You54The "Big Three" Credit Bureaus56Are You Eligible For a Free Credit Report?57The Credit Report You've Probably Never Heard Of58Day 5Call your creditors & negotiate61You Have Leverage61Six Things To Ask For62The Biggest Myth About Credit Card Cos62Getting Your Creditors To Work With You63What's The Impact of a 16.9% Interest Rate?64But What If You Had A 5.9% Interest Rate?65What's The Best Time To Negotiate With Creditors?6613 Negotiating Strategies To Lower Your Interest Rate, or Eliminate Late Fees and Over-The-Limit Charges68Day 6Switch cards if necessary73The Benefit of Comparison Shopping73Warnings About Obtaining New Credit74Day 7Always exceed the minimum payment due76"Minimum" Payments Now Really Equal Maximum Payments In the Long-Run76A Guaranteed Investment Return76But I Don't Have the Money!77Day 8Dispute any inaccuracies in your credit file79How Accurate Are Credit Reports?79How Do Mistakes In Your Credit File Occur?80Credit Errors Can Cost You Mone y And More81Fixing Errors & Cleaning Up Your Credit File81Raising Your FICO Score83Improve Your Credit Score in 3 Days--Legally83Day 9Educate yourself about your legal rights8410 Rights Protecting Consumers85Day 10Stop collection agency harassment93"Cease Contact" or "Cease and Desist" Letter93Using the U.S. Post Office94Day 11Prevent identity theft to protect your credit95Tips To Avoid Identity Theft95Identity Theft In The Workplace96Scams Affect Workers And Those Looking For Work98Identity Theft Insurance99What to Do if Your Identity is Stolen101Day 12Set up a good filing system102Being Organized Helps Your Finances102Creating An Effective Filing System103What To Keep--And What To Throw Away103Maintaining Your Filing System104Day 13Face the truth about your situation106Your Finances & The Laws of Cause and Effect106In What Condition Is Your Financial House?108How Does Your Score Compare To Others?113Day 14Create SMART financial goals114The Importance of Written Goals114Consider Your Short, Medium and Long-Range Goals115Your Retirement Aspirations115Day 15Figure out the $69,000 question: Where will you get the money to pay for your goals, such as slashing your debt?120Day 16Scrutinize your spending121How I Got Out of $100,000 in Credit Card Debt121Being In Debt Denial122Downsizing Hits Home123Gaining Perspective on Your Spending126Day 17Make a realistic budget127Causes Of Cash Flow Problems1274 Simple Steps To Stop Blowing Your Budget128Day 18Find 10 ways to cut your spending132Saving Money Doesn't Have To Be A Big Hassle132Day 19Adopt five lifestyle changes as strategies to save more money134When shopping, never pay full retail price135Become a frequent library patron135Take advantage of free/low-cost attractions and events in your city135Eat out less often136Walk, instead of driving, to any place that's within walking distance136How to Look Like a Million Bucks (Without Spending a Fortune)137Day 20At work, adjust your W-4 withholdings if you receive a refund140Refund Checks Show Poor Financial Planning140A Quick Fix Via Your Human Resources Department140Day 21Sell or donate stuff you don't want, use or need141Holiday Giving All Year Round141Day 22Find a way to generate additional income145Is a Second Job, or Part-Time Work In Your Future?145Turn a Hobby Into Cash146The Small-Office Home-Office Solution146The Ideal Part-Time Enterprise147Leverage The Internet147Day 23Apply for a home equity loan or equity line of credit149What's the Difference Between a Home Equity Loan and a Home Equity Line Of Credit?151Need A Mortgage? Credit Re-Scoring Can Help152What Are Reverse Mortgages?153The Pros and Cons Of Reverse Mortgages155Day 24Refinance your auto loan157The Capital One Advantage158Online Lenders Dominate Auto Refinancing159Beware Of Extending Your Loan Length160Day 25Pick a "Pay Down Your Debt" priority strategy161The goal is to attack your area of pain162What This Technique Does & Does Not Accomplish163Unconventional Wisdom164Day 26Weigh the pros and cons of entering a debt management program166Credit Counselors: Friend or Foe?166Traditional Credit Counseling On the Decline167The Financial Ties That Bind168How Debt Management Programs Work169Do's and Don'ts of Debt Management Plans169Day 27Evaluate your existing insurance coverage172Five Types Of Insurance That You Don't Need175Day 28Draw up a will177Get the Will to Draw Up A Will178Day 29Open a "hands off" account and set up an automatic savings plan180Day 30Prepare yourself to become a positive financial role model181Day 31Address any other money woes, credit issues, or special financial circumstances185Bankruptcy: Your Last-Ditch Option185Delinquent Taxes: What To Do About Them186Helping Aging Parents With Their Finances187Payday Loans: 'Credit' You Must Never Accept190Appendix ACredit Bureaus193Appendix BDebt Counseling Firms193Appendix CSample Settlement Letter194Appendix DSample Cease & Desist Letter195Appendix EThe 30-Day Zero Debt Challenge!196Appendix FConsumer Resources198
