Make a Commitment and Act Now!
Today is the day I will get out of debt. I have procrastinated far too long. For too long I have lived with the burden and shame of debt. For too long I have ignored the negative impact debt has had on my life. For too long I have suffered unnecessarily the stress and hardship brought on by debt.
Today it is time to step out from under the cold shadows of debt into the warmth of light. Today I have a sense of hope and of a new beginning. The path to my debt free life has been laid out before me. All I need is the courage to act. I will act now and take that first step.
How will I accomplish this long and difficult task? I will take matters into my own hands. I will roll up my sleeves and dig my way out of debt one payment at a time. I will formulate a payment plan that prioritizes each of my debts. I will make the minimum payment on all debts except the the debt with the highest priority. And on that debt I will pay all the extra money that is available to me.
I will continue making payments in this fashion until the highest priority debt is completely paid off. Then I will take all the money that I had been paying to the highest priority debt and add it to the payment of the debt with the next highest priority. I will continue in this manner until this debt has been paid off.
With each month that passes I will feel more and more hopeful as I see the progress being made on my debts. Every month my sense of hope will increase and my enthusiasm will rise. I will feel encouraged as I continue to follow this procedure of making payments and shifting the money from paid off debts to the next highest priority until all my debts are paid off.
Today is the day I will get out of debt. I will not squander this opportunity that lies in front of me. Today I am commited to getting out of debt. Today I will act and I will act now.
❝I realized that with this tool I could be my own debt counselor!❞
I found myself in the predicament of high credit balances. I heard the ads on the radio and TV about debt counselors, and credit counseling companies. I did not feel safe, or comfortable about contacting these strangers and trusting them with all my information.Kathy McClain, Ed.S. Career Educator - Michigan
I did not have the time to go through their process and was suspicious of the true cost of their assistance. Then I found out about ZilchWorks, ordered it, installed it and realized that with this tool I could be my own debt counselor!
This program is so easy to use and does what all the other companies want to charge you for. I was able to work out my payment plan in the privacy of my home. ZilchWorks showed me exactly what to do to reduce my debt as quickly as possible. I am gaining back my financial freedom with ZilchWorks. Thank you Michael for creating this wonderful program.
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.