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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."

I want to give a 5 star endorsement of Mike Riley and his software program 'ZilchWorks'. I have known Mike for many years and I have found that in all of our transactions he has been highly ethical and extremely intelligent. I purchased the software program 'Zilch' many years ago and it has been a solid program and does an excellent job in presently the most intelligent plan anyone has ever devised for paying off credit card debt.

And I know that Mike got his experience in developing his program from volunteering and helping people. That's one of the reasons his program is so affordable. I give Mike an unqualified endorsement as being highly ethical, intelligent and concerned for the welfare of others.

I'm a bankruptcy attorney and have been in practice for over 27 years and there are very few people to whom I have ever given a 5 star rating and Mike is one of them. And in order to allow you to verify this '5 Star Rating', I'm providing my contact information as follows:

Dave Falvey, Esq.
258 Route 12
Groton, CT 06340
Tele (860) 449-1510
Email: dave@actionadvocacy.com

Dave Falvey, Esq. - Groton, Connecticut
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