GET OUT OF DEBT TODAY

Wipe out your credit card debt and save thousands in interest penalties.

Just fill in the blanks and push a button. We turn the information about your debts into a step-by-step payment plan that gets you out of debt. You'll save a ton of money and get out of debt fast.

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Requires Microsoft Windows

Love Yourself No Matter What

L-R Kirk Gibbons, Derrick Riley, Shane Riley, Bobby Orr, Michael Riley (July 2016), Michael Riley (December 2018)

I've Lost 71 Pounds in 35 Weeks

For the past 35 weeks I have been doing my own version of the keto diet and I have lost over 70 pounds. At Thanksgiving my eldest son Derrick made a comment that I was "Unrecognizable". I liked hearing that.

Here is one of the most important things I have learned over the past 35 weeks. Every time I looked in the mirror I did not like what I saw. I felt ashamed, embarrassed, and at times like a miserable failure. The motivation that kick-started things for me was disgust and anger. I felt disgusted with myself for the way I looked and then I felt angry at myself for letting me get to that point.

Those two emotions, disgust and anger, are not healthy to carry around from day to day to day. They should be treated as "wake-up" calls that a change is needed, and not used as fuel to keep things going.

The most important thing is to love yourself. That doesn't mean you have to like yourself. Like and love are two totally different things. When I looked in the mirror I did not like what I saw. I did not like what I looked like. I did not like me. All of that was okay. What was not okay was using all those "unlikes" to say things such as "Mike you look so bad, you are not worthy of being loved. You suck!"

I had to learn to allow myself to love myself... no matter what. This can be hard to do if you have been bashing yourself for a long time like I did. It's like hurting your own feelings. And because it's you doing this to yourself, you know right where to go to inflict the most damage in the shortest possible time.

Here's what I've learned, better late than never right! If your best friend did something or said something to you that you didn't like, you'd get angry, annoyed, or mad. You might might even ignore your best friend for a period of time. Did you ever stop loving this friend. Of course not.

Well guess what, you are the very best friend you will ever have. So, love yourself no matter what. Now, go find your hug song and listen to it anytime you want a hug from yourself.

#gunnyonamission #pilotlight #findyourhugsong

USMC Gunnery Sergeant Chevron

zilchworks.com is owned and operated by Michael J. Riley, a retired United States Marine Corps Gunnery Sergeant. Riley's easy to use Zilch software has been helping people get themselves out of debt since 1991.

"Zilch does one thing and does it very well. It gets you out of debt."

I have been using your software with great success. It has really opened my clients eyes to the savings they can reap when they follow the payoff plan. They all say it is so easy to do.

Beverly Taylor, LOL Financial Services - Plantersville, Texas
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Why ZilchWorks

We believe you need to watch out for what we call "Debt Sharks". These are companies that prey upon people in debt because they know how vulnerable debt-ridden people can be.