Zero Debt: The Ultimate Guide to Financial Freedom
Everyone wants to slash their debt, save more, and become financially secure. Regardless of your situation, you can get on the road to financial freedom - and you can do it yourself in the next 30 days! Whether you're on the verge of filing for bankruptcy or you're a high wage earner who still frets over money, this book is for you. You can be free from financial worries, rest at night knowing your bills are paid, and have peace of mind when it comes to money matters.It all starts by...
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Everyone wants to slash their debt, save more, and become financially secure.Regardless of your situation, you can get on the road to financial freedom - and you can do it yourself in the next 30 days!Whether you're on the verge of filing for bankruptcy or you're a high wage earner who still frets over money, this book is for you. You can be free from financial worries, rest at night knowing your bills are paid, and have peace of mind when it comes to money matters.It all starts by eliminating excessive debt, and learning simple strategies to save your hard-earned cash.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.Zero Debt will also help you put a financial fortress around yourself - offering tips on budgeting, the importance of having insurance, low-cost strategies for creating an updated will, creative ways to instantly put dollars in your pocket, and more.
Other Books Lynnette Khalfani-Cox 12Acknowledgments 13Introduction 15Living the Bling Bling Life 16I Went From $100,000 in Debt to Zero Debt 18Shift from Over-Spending to a Debt-Free Life 21Rising Credit Card, Mortgage and Student Loan Debt 22Consumer Debt on the Rise Internationally 23Keeping Up With the Joneses 24The Threat Debt Poses to Your Relationship 25Two Groups of People Who Are Deep in Debt 26Watch Out for The Dreaded Ds 26Are You in The Debt Danger Zone? 27The Zero Debt 30-Day Program 28Making Smart Financial Choices 29Day 1 Stop the flood of credit card offers 33Five Reasons to Opt Out of Credit Card Offers 34One Easy Phone Call Can Help 35Opting Out Using the Internet 36What If You Change Your Mind? 37Opting Out By Mail 38The Limitations to Opting Out of Card Offers 38Put an End to Most Junk Mail 39How to Stop Pesky Telemarketers from Calling You 40Trends in Credit Card Marketing 41A Sweeter Offer? 42The Truth About Credit Card Companies 43Are You Playing The Blame Game? 43The Low-Down on Credit Card Solicitations Via Email 44Turn Your Credit Card Offers Into Cash 45Day 2 Make a resolution to "stop digging" 47Why We Spend 48Wage War on Your Debt 51Diagnosis: You're Suffering From the Debt Disease 52Day 3 Put all your debts in writing 55Why Torture Yourself Listing All Your Bills? 55A Wake-Up Call: How Much Do You Owe? 56I Debticate Myself to Being Debt-Free 56Day 4 Order your credit report and FICO score 59What is a FICO Score? 59Fact Vs. Fiction About Credit Scores 62What a FICO Score Considers 64Is Credit Scoring Fair To Minorities?64Little-Known Ways Your Credit Impacts You 65The "Big Three" Credit Bureaus 66What You Must Know About the New VantageScore 67How and When to Turn to the Credit Bureaus for Help 71The Credit Report You've Probably Never Heard Of 72Day 5 Call your creditors & negotiate 76You Have Leverage 76Six Things To Ask For 77The Biggest Myth About Credit Card Companies 77Getting Your Creditors To Work With You 77What's The Impact of a 16.9% Interest Rate? 78But What If You Had A 5.9% Interest Rate? 79What's The Best Time To Negotiate With Creditors? 8013 Negotiating Strategies 82Day 6 Switch cards if necessary 86The Benefit of Comparison Shopping 86Warnings About Obtaining New Credit 87Day 7 Always exceed the minimum payment due 89Minimum Payments Really Equal Maximum Payments 90A Guaranteed Investment Return 91But I Don't Have the Money! 91Day 8 Dispute any inaccuracies in your credit file 95How Accurate Are Credit Reports? 95How Do Mistakes In Your Credit File Occur? 96Credit Errors Can Cost You Money And More 97Fixing Errors & Cleaning Up Your Credit File 97Raising Your FICO Score 98Improve Your Credit Score in 3 Days - Legally 99Day 9 Educate yourself about your legal rights 10010 Rights Protecting Consumers 101Day 10 Stop collection agency harassment 108"Cease Contact" or "Cease and Desist" Letter 108Using the U.S. Post Office 109Day 11 Prevent identity theft to protect your credit 110Tips To Avoid Identity Theft 111Identity Theft In The Workplace 111Scams Affect Workers And Those Looking For Work 113Identity Theft Insurance 114What to Do if Your Identity is Stolen 116Day 12 Set up a good filing system 118Being Organized Helps Your Finances 118Creating An Effective Filing System 118What To Keep - And What To Throw Away 119Maintaining Your Filing System 120Day 13 Face the truth about your situation 123Your Finances & The Laws of Cause and Effect 123In What Condition Is Your Financial House? 124Your Financially Fit Check-up 127How Does Your Score Compare To Others? 130Day 14 Create SMART financial goals 131The Importance of Written Goals 131Consider Your Short, Medium and Long-Range Goals 131Your Retirement Aspirations 132Retirees and Debt 135Day 15 Figure out the $69,000 question 139Day 16 Scrutinize your spending 140How I Got Out of $100,000 in Credit Card Debt 140Being In Debt Denial 141Downsizing Hits Home 142Don't Be Ashamed of Mistakes - Just Fix Them 143Gaining Perspective on Your Spending 144Day 17 Make a realistic budget 146Causes Of Cash Flow Problems 1464 Simple Steps To Stop Blowing Your Budget 147Day 18 Find 10 ways to cut your spending 151Saving Money Doesn't Have To Be A Big Hassle 151Day 19 Adopt five lifestyle changes to save more money 153When shopping, never pay full retail price 153Become a frequent library patron 154Take advantage of free/low-cost attractions/events 154Eat out less often 154Walk, versus driving, to any place in walking distance 154Look Like a Million Bucks Without Spending a Fortune 155Day 20 Adjust your W-4 withholdings if you get a refund 160Refund Checks Show Poor Financial Planning 160A Quick Fix Via Your Human Resources Department 160Day 21 Sell or donate stuff you don't want, use or need 162Holiday Giving All Year Round 162Day 22 Find a way to generate additional income 167Is a Second Job, or Part-Time Work In Your Future? 167Turn a Hobby Into Cash 167The Small-Office Home-Office Solution 168The Ideal Part-Time Enterprise 168Leverage The Internet 169Squeezing Money Out of Where You Live 169Day 23 Apply for a home equity loan or equity line of credit 171The Financial Benefits of Owning Real Estate 172What's the Difference: Loan vs Credit Line 173Need A Mortgage? Credit Re-Scoring Can Help 174The Pros and Cons Of Reverse Mortgages 177Day 24 Refinance your auto loan 179The Capital One Advantage 180Online Lenders Dominate Auto Refinancing 181Beware Of Extending Your Loan Length 181Day 25 Pick a Proper Debt Payoff strategy 183Four Enormous (and Wrong) Assumptions 183Be Glad the 1980s Are Gone 184What's Really Bugging You? 184High Dollar Balances 185True Story: $1 Million in Credit Card Debt 185The Myth of the Speedier Repayments 186What About the Cost Savings? 187Ill-Guided Advice Leads to Frustrated Consumers 188What This Technique Does & Does Not Accomplish 192Day 26 Weigh the pros and cons of debt management plans 194Credit Counselors: Friend or Foe? 194Traditional Credit Counseling On the Decline 196How Debt Management Programs Work 198Do's and Don'ts of Debt Management Plans 198Day 27 Evaluate your existing insurance coverage 201Get a Clue - Your CLUE Insurance Score 201Five Types Of Insurance That You Don't Need 204Day 28 Draw up a will 206Get the Will to Draw Up A Will 208Day 29 Open a "hands off" account & automatic savings plan 211Day 30 Prepare to become a positive financial role model 212Day 31 Address other money woes or special circumstances 216Bankruptcy: Your Last-Ditch Option 216Delinquent Taxes: What To Do About Them 220Helping Aging Parents With Their Finances 221Student Loans: The Other Big Debt Crisis in America 224Payday Loans: 'Credit' You Must Never Accept 234Appendix A Credit Bureaus and Debt Counselors 237Appendix B Sample Settlement Letter 238Appendix C Sample Cease & Desist Letter 239Appendix D The 30-Day Zero Debt Challenge! 240Appendix E Consumer Resources 243Index 245
