Step 1: Make A List of All Your Debts

Use the built-in data entry worksheet to make a list of all your debts. When filling out the worksheet don't spend time trying to prioritize your debts. Our software will put them in the right order for you.

Step 1 - List All Your Debts

Believe or not, this is the hardest step in the whole process. Why? Because it makes you take action. It makes you look at your debts. It makes you look at how much money you owe. This may be something you have wanted to do for a long time but kept putting off. That's why this is the hardest part.

Important: When you write down your debts don't try and prioritize the pay off order our software will do this for you. just concentrate on finding your debts and getting them listed on the worksheet.

File > Print WorkSheet...


Completed Example:
Here is an example of a completed data entry worksheet with 5 credit cards and 1 loan.

( ZilchWorks Data Entry Worksheet )


❝Shortly after I started using Zilch I was eligible to buy a house❞

I was looking through my cancelled checks to shred old records and found a check to you for Zilch written on 10/3/1999 for $34.00. Money well spent.

Thank you. Your program accelerated my debt reduction. Shortly after I started using Zilch I was eligible to buy a house and have almost never carried a balance into the next month.

Thanks again.

Rodney Nibbe - Minnesota

I am ordering a second copy for my brother and his wife to assist them in their debt management objective.

R. B. - Bloomington, Indiana
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Why ZilchWorks

Dealing with debt can be very embarrassing and stressful. We help you put together a step-by-step repayment plan in the privacy and comfort of your own home.