Get out of debt in 18 months!

How Zilch Works

Step 1 - Make a List

How Zilch Works Steps 1 through 6
‹ Previous Step


The secret to getting out of debt fast is using a payment strategy. The strategy you choose is based on what makes you feel good. This gives you immediate relief because you will stay in your comfort zone from day one.

The two most common payment strategies for getting out of debt are Avalanche and Snowball. Avalanche prioritizes paying off debts from the highest interest rate down to the lowest interest rate. Snowball prioritizes paying off debts by those which can go away the quickest. Choose the payoff strategy that makes you feel good.

Avalanche vs Snoball payoff method
How I Feel Strategy
I'm a numbers person. Numbers make sense to me. Avalanche
I am not a numbers person. Numbers scare me. Snowball
I want to save the most money no matter what. Avalanche
I want to get out of debt as fast as possible. Avalanche
I'm looking for fast results. I like to see progress. Snowball
I need lots of encouragement along the way. Snowball

ZilchWorks takes all the information about your debts (balances, interest rates, monthly payments) and instantly turns it into a realistic payoff plan using the payoff strategy that you feel good about. You'll see exactly how much to pay each credit each month. This short video explains how the payment strategy works.

( The secret to getting out of debt )

Step 1 - Make a List

Believe it 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.

Print Worksheet option from the Zilch Standard main menu

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.

Example of a completed Zilch Standard worksheet
( ZilchWorks Data Entry Worksheet )
How Zilch Works Steps 1 through 6
‹ Previous Step
Testimonial scroll

❝I want to give a 5 star endorsement of Mike Riley and his software program❞

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

Dave Falvey, Esq. - Groton, Connecticut
See all testimonials

Why ZilchWorks

We've been helping people just like you get out of debt since 1991. Our methods are successful and have been time-tested.