HOW ZILCH WORKS
The secret to getting out of debt fast is using a payment snowball. As one debt is paid off you shift that money to the next debt highest priority debt. ZilchWorks takes all the information about your debts (balances, interest rates, monthly payments) and intstanly turns it into a realistic payoff plan. You see exactly how much to pay each credit each month.
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.
❝I wish I had known about this program before paying $45 a month❞
I have a goal, which is to retire soon and spend time with my 2 awesome grandsons, ages 6 and 8. You are going to help make that happen because I'm going to use ZilchWorks to pay off my mortgage as fast as I can.Marlena B. - Canton, Texas
I originally learned about your software from a friend who uses it. She swears by it! In the past I have used a debt management company to pay off $32,000 of credit card debt, and am paying my last $1,000 on those cards. It has taken 8 long years. I wish I had known about this program before paying that company $45 a month to do what I could have done myself in a shorter length of time.
Thank you for creating this awesome software. God bless you.