Ask The Money Coach

Posts Tagged ‘Zero Debt: The Ultimate Guide to Financial Freedom’

In my book, Zero Debt, I explain how I got into debt (mainly via overspending), and also what it took to get me out of debt. To pay off my credit card bills, I used the exact same strategies I outlined in my book – getting a budget together, cutting back on frivolous spending (like vacations & dinners out), refinancing my auto loan, negotiating with my creditors for lower interest rates, doubling and tripling up on the minimum payments I was making, and using “windfalls” or “extra” money, like income tax checks and year-end bonuses from my job to pay off debt, etc.

Making Tough Choices

I also made some tough choices, like taking my two older kids out of private school and putting them in a less expensive private school. (They’re actually now in public school, and doing just great). After nearly 3 years of all this, I’d paid off $70,000 in credit card debt. Then in early 2004, my ex-husband and I sold some land we owned and used $30,000 to pay off the last $30,000 of credit card debt we owed.

In your question, you mentioned joining a debt management plan and taking on a second job. I know those were tough steps for you to take. But congratulations for doing so, because they will definitely help you become debt free faster. Lastly, I don’t know if you have a copy of Zero Debt. (The original version came out in late 2004; the updated, second edition of the book came out in 2009). In any event, in Day 25/Chapter 25 of Zero Debt, I also explained three different debt pay-off strategies that you can use to knock out credit card debt. (In my case, I used Strategy #2). Good luck in eliminating those credit card bills!

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Zero Debt:
The Ultimate Guide to Financial Freedom
2nd Edition

Lynnette Khalfani-Cox

Paperback: 254 pages
Publisher: Advantage World Press
ISBN: 1-932450-80-7

List Price: $14.95

Buy Now from Amazon

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 – 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.

About the Author

Lynnette Khalfani-Cox, The Money Coach, is a personal finance expert, television and radio personality, and the author of numerous books, including the New York Times bestseller Zero Debt: The Ultimate Guide to Financial Freedom. Lynnette has appeared on such national TV programs as The Oprah Winfrey Show, Dr. Phil, The Tyra Banks Show and Good Morning America. She has also been featured in top newspapers including the New York Times, Wall Street Journal, Washington Post, and USA Today, as well as magazines ranging from Essence and Redbook to Black Enterprise and Smart Money.

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• How Can I Be Debt Free? (askthemoneycoach.com)
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You now have have free access to the online version of Lynnette Khalfani-Cox’s New York Times Bestseller, Zero Debt: The Ultimate Guide to Financial Freedom.

Zero Debt is a 30-day action plan written to help individuals get out of debt and transform their finances.  The new blog details the steps outlined in the book in an easy-to-follow, day by day series of blog posts.  Readers can also post comments and feedback to any page or post on the site.

Click here to read the Zero Debt online version.

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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. Click here to read the free online edition of 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.

About the Author

Lynnette Khalfani-Cox, The Money Coach, is a personal finance expert, television and radio personality, and the author of numerous books, including the New York Times bestseller Zero Debt: The Ultimate Guide to Financial Freedom. Lynnette has appeared on such national TV programs as The Oprah Winfrey Show, Dr. Phil, The Tyra Banks Show and Good Morning America. She has also been featured in top newspapers including the New York Times, Wall Street Journal, Washington Post, and USA Today, as well as magazines ranging from Essence and Redbook to Black Enterprise and Smart Money.

Related articles

• How to Pick a Proper Debt Payoff Strategy (askthemoneycoach.com)
• 3 things you should never say to a debt collector (walletpop.com)
• How did Lynnette Khalfani-Cox erase $100,000 in debt in 3 years? (askamoneyexpert.com)
• Lynnette Khalfani-Cox on The Daily Drum WHUR 96.3 Howard University Radio (askamoneyexpert.com)
• Buy the paperback edition or Kindle edition from Amazon