Step 2 - Enter information about your debts.

Start by clicking the Add... button on the main screen. When you click the Add... button you will be presented with a simple, easy to use form in a pop-up window. This is how you input the information you collected on the data entry worksheet from Step 1.

Use the simple Add Creditor Information form and enter the following information for each debt.

• Creditor Name
• Annual Percentage Rate
• Current Balance
• Monthly Payment
• Credit Card
• Loan/Mortgage

Click the OK button when you are done.

After you have competed entering all the creditor information your screen should look similar to this:

❝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

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