“ZilchWorks is one of the most powerful tools available for helping you get out of debt.”

Gerri Detweiler, author of “The Ultimate Credit Handbook”


For Immediate Release

Contact: Michael Riley, rileymj@zilchworks.com

Retired U.S. Marine Teaches How To Avoid Costly Credit Card Mistakes

(Cape Cod, Massachusetts) ZilchWorks, a debt management software developer since 1990, has released an updated version of its Credit Card Math eBook. Credit Card Math is an easy-to-use guide to understanding and managing credit card debt. ZilchWorks has found that customers who follow the eBook's straightforward advice have reduced their long-term interest payments by 55 to 65 percent.

"There is no quick fix that will make credit card debt go away," explains Michael J. Riley, the retired United States Marine Corps Gunnery Sergeant who owns and operates ZilchWorks. "Getting out of debt is a difficult climb. Credit Card Math provides a no-nonsense road map showing consumers how to get their credit card debt under control."

Credit Card Math reveals the hidden costs associated with credit card debt. The eBook defines all of the terms and concepts that users need to know. And it illustrates why sending the credit card company the minimum payment each month is an ill-advised technique that squanders money. The eBook presents facts in a systematic, unbiased way. Without this information, consumers are going to send the credit card companies much more money than they need to.

Credit Card Math explains why it takes so long to pay off credit card debt. It delivers strategies to save thousands of dollars in credit card interest. The eBook points out common credit card traps such as skipping payments, and delivers simple, practical advice for avoiding them. Readers will learn the value of adding a fixed amount of money to each payment, as well as ways to manage multiple credit cards.

The Credit Card Math eBook runs on Windows XP/Vista/7/8/8.1/10, costs $19.95(US) for a single-user license, and includes eight information-rich chapters plus a credit score calculator, a minimum payment calculator, and a 10-20-70 budget framework. At no cost, the first four chapters plus the calculators and 10-20-70 budget information can be downloaded from the ZilchWorks website. For more information, visit http://www.zilchworks.com/credit-card-math.asp

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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."

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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