Financial Freedom At Last!
You may think, not another book on debt - I can’t bear it. Most people don’t even want to think about the nasty four letter word “debt” much less face it head on. In Zero Debt, the author, Lynnette Khalfani, will tell you that you MUST get smart about managing your money and your credit to achieve Financial Freedom. Sticking your head in the sand won’t work. If you’ve been asking, “What in the world have I been doing with my money?”, you need to read this book.
Lynnette begins your 30-day journey assuring you that you CAN achieve financial freedom regardless of your current situation. Yes, it can be done - with focus and commitment.
This book is really a self-guided course packed with tons of resources, links, and helpful suggestions - you know, the ones you’ve already heard of but don’t practice. The difference is, she’s inserted them into the appropriate place along your Zero Debt journey…
Week 1:
- Stop the flood of credit card offers
- Resolve to stop digging deeper into debt
- Put down everything you owe in writing
- Order your credit report and FICO score
- Negotiate with your creditors to save money
- Switch credit cards if necessary
- Exceed your minimum payments due
Week 2:
- Dispute any inaccuracies in your credit file
- Educate yourself about your legal rights
- Halt credit harassment
- Guard against identity theft to shield your credit
- Set up a good filing and record-keeping system
- Face the truth about your financial situation
- Create SMART financial goals
Week 3:
- Figure out where to get $ to pay off debt
- Scrutinize your spending
- Make a realistic budget
- Find 10 ways to cut spending
- Adopt 5 lifestyle changes to save money
- Adjust your W4 withholdings if you get a refund
- Sell or donate stuff you don’t need or want
Week 4:
- Find a way to generate additional income
- Apply for a home equity loan or line of credit
- Refinance your auto loan
- Pick a “Pay Down Your Debt” priority strategy
- Consider the pros and cons of debt management
- Evaluate your existing insurance coverage
- Draw up a will
If what you’ve been doing, isn’t working, it’s time to do something different. Gain back control of your financial future - take the course of Zero Debt!














