Step 5: Stick The Monthly Payment Schedule On Your Fridge

Put the monthly payment schedule on the refrigerator in your kitchen (or someplace you look at frequently) as a constant motivator for sticking to your debt repayment plan.

Step 5 - Make Your Monthly Payments

( Monthly Payment Schedule )

❝You'd think someone with a Finance degree would be able to avoid debt❞

You'd think someone with a Finance degree would be able to avoid debt, but my husband and I hadn't avoided it. I had quit working to raise our family, and two of our children had major medical bills. We found ourselves in over $80,000 of mostly unsecured debt. I was desperate when I found ZilchWorks. Your software was like a ray of light shining in on our dark situation.

When I SAW, that we could be debt free by 2011, even though that was years away, it was just the motivation I needed. The printed reports have been vital in our success. They keep me on track when I am tempted to spend money I shouldn't be. I keep them handy so I can glance at them and remind myself where we are headed. The idea that we will have financial freedom THIS YEAR is exhilarating!

I now have the desire to help others get out of their debt situations, so I am happy to tell the world that ZilchWorks can get you there. And by the way, this is a “paid” testimony... we've been “paid” all the interest that would have been shelled out to lenders had I not found this program.

I pray we never find ourselves back in the credit card mess we were in. But if for some emergency we do, I will have the tools ZilchWorks taught me to get us out of it!

Lovina Penry - California

You'd think someone with a Finance degree would be able to avoid debt, but my husband and I hadn't avoided it. I had quit working to raise our family, and two of our children had major medical bills. We found ourselves in over $80,000 of mostly unsecured debt. I was desperate when I found ZilchWorks. Your software was like a ray of light shining in on our dark situation.

When I SAW, that we could be debt free by 2011, even though that was years away, it was just the motivation I needed. The printed reports have been vital in our success. They keep me on track when I am tempted to spend money I shouldn't be. I keep them handy so I can glance at them and remind myself where we are headed. The idea that we will have financial freedom THIS YEAR is exhilarating!

I now have the desire to help others get out of their debt situations, so I am happy to tell the world that ZilchWorks can get you there. And by the way, this is a “paid” testimony... we've been “paid” all the interest that would have been shelled out to lenders had I not found this program.

I pray we never find ourselves back in the credit card mess we were in. But if for some emergency we do, I will have the tools ZilchWorks taught me to get us out of it!

Lovina Penry - California
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Why ZilchWorks

We've been helping people just like you get out of debt since 1991. Our methods are successful and have been time-tested.