Step 1 - Make a List

Believe or not, this is the hardest step. Why? Because it forces you to act. It makes you look at your debts. It requires you to acknowledge how much money you owe. This may be something you have wanted to do for a long time but kept putting off. We can only help you if you are willing to help yourself. There has never been a map produced that just takes you where you want to go. You must act. Until you make a decision to act, and follow the map, it's nothing more than lines on paper. Take that first step... print the worksheet and fill it out.

Click File > Print WorkSheet... to use the built-in data entry worksheet.

Important: When you write down your debts don't try and prioritize the pay off order. Our software will do this for you. Just concentrate on finding your debts and getting them listed on the worksheet.

Example of a completed worksheet:
Here is an example of a completed data entry worksheet. These are the actual debts from the Sample2 file included in the software download.

❝Shortly after I started using Zilch I was eligible to buy a house❞

I was looking through my cancelled checks to shred old records and found a check to you for Zilch written on 10/3/1999 for $34.00. Money well spent.

Thank you. Your program accelerated my debt reduction. Shortly after I started using Zilch I was eligible to buy a house and have almost never carried a balance into the next month.

Thanks again.

Rodney Nibbe - Minnesota

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