Zero Debt: The Ultimate Guide To Financial Freedom

Table of Contents

• Start Here
• Week 1 Overview
• Day 1: Stop the Flood of Credit Card Offers
• Day 2: Make a Resolution to "Stop Digging"
• Day 3: Put All Your Debts in Writing
• Day 4: Order Your FICO® Score
• Day 5: Call Your Creditors and Negotiate
• Day 6: Switch Credit Cards if Necessary
• Day 7: Always Exceed the Minimum Payment Due
• Week 2 Overview
• Day 8: Dispute Any Inaccuracies in Your Credit
• Day 9: Educate Yourself About Your Legal Rights
• Day 10: Stop Collection Agency Harassment
• Day 11: Prevent Identity Theft to Protect Your Credit
• Day 12: Set Up a Good Filing System
• Day 13: Face the Truth About Your Situation
• Day 14: Create SMART Financial Goals
• Week 3 Overview
• Day 15: Get the Money to Pay for Your Goals
• Day 16: Scrutinize Your Spending
• Day 17: Make A Realistic Budget
• Day 18: Find Ten Ways to Cut Your Spending
• Day 19: Adopt Five Lifestyle Changes to Save More Money
• Day 20: Adjust Your W-4 Witholdings If You Get A Refund
• Day 21: Sell or Donate Stuff You Don't Want, Use or Need
• Week 4 Overview
• Day 22: Find A Way to Generate Additional Income
• Day 23: Apply for A Home Equity Loan or Equity Line of Credit
• Day 24: Refinance Your Auto Loan
• Day 25: Pick A Proper Debt Payoff Strategy
• Day 26: Weigh the Pros and Cons of Debt Management Plans
• Day 27: Evaluate Your Existing Insurance Coverage
• Day 28: Create A Will
• Week 5 Overview
• Day 29: Open A "Hands Off" Account and Set Up an Automatic Savings Plan
• Day 30: Prepare to Become A Positive Role Model
• Day 31: Address any Other Money Woes, Credit Issues, or Special Circumstances