Og Mandino's Secrets to Success
- 1. Today I begin a new life
- 2: I will greet this day with love in my heart
- 3: I will persist until I succeed
- 4. I am natures greatest miracle
- 5. I will live this day as if it is my last
- 6. Today i will be master of my emotions
- 7. I will laugh at the world
- 8. Today I will multiply my value a hundredfold
- 9. I will act now
- 10. I will pray for guidance
- End
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❝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.