LEADER 00000cam a2200337 a 4500 
001    15149356 
005    20100325113453.0 
008    080122s2004    njua     b    001 0 eng d 
010      2008297044 
020    1932450750 
020    9781932450750 
035    (OCoLC)ocm56561044 
040    IG#|cIG#|dBAKER|dCCS|dNYP|dBTCTA|dYDXCP|dCASSC|dDLC 
042    lccopycat 
050 00 HG179|b.K523 2004 
082 04 332.024/02|222 
100 1  Khalfani, Lynnette. 
245 10 Zero debt :|bthe ultimate guide to financial freedom /
       |cLynnette Khalfani. 
246 30 Ultimate guide to financial freedom 
246 30 Financial freedom 
250    1st ed. 
260    South Orange, NJ :|bAdvantage World Press,|c2004. 
300    204 p. :|bill. ;|c23 cm. 
504    Includes bibliographical references and index. 
505 0  Overview: we're a nation of debtors -- Day 1. Stop the 
       flood of credit card offers -- Day 2. Make a resolution to
       "stop digging" -- Day 3. Put all your debts in writing -- 
       Day 4. Order your credit report and FICO score -- Day 5. 
       Call your creditors & negotiate -- Day 6. Switch cards if 
       necessary -- Day 7. Always exceed the minimum payment due 
       -- Day 8. Dispute any inaccuracies in your credit file -- 
       Day 9. Educate yourself about your legal rights -- Day 10.
       Stop collection agency harassment -- Day 11. Prevent 
       identity theft to protect your credit -- Day 12. Set up a 
       good filing system -- Day 13. Face the truth about your 
       situation -- Day 14. Create smart financial goals -- Day 
       15. Figure out the $69,000 question : where will you get 
       the money to pay for your goals, such as slashing your 
       debt? -- Day 16. Scrutinize your spending -- Day 17. Make 
       a realistic budget -- Day 18. Find 10 ways to cut your 
       spending -- Day 19. Adopt five lifestyle changes as 
       strategies to save more money -- Day 20. At work, adjust 
       your W-4 withholdings if you receive a refund -- Day 21. 
       Sell or donate stuff you don't want, use or need -- Day 
       22. Find a way to generate additional income -- Day 23. 
       Apply for a home equity loan or equity line of credit -- 
       Day 24. Refinance your auto loan -- Day 25. Pick a "pay 
       down your debt" priority strategy -- Day 26. Weigh the 
       pros and cons of entering a debt management program -- Day
       27. Evaluate your existing insurance coverage -- Day 28. 
       Draw up a will -- Day 29. Open a "hands off" account and 
       set up an automatic savings plan -- Day 30. Prepare 
       yourself to become a positive financial role model -- Day 
       31. Address any other money woes, credit issues, or 
       special financial circumstances -- Appendix A: Credit 
       bureaus ; Debt counseling firms -- Appendix B: Sample 
       settlement letter -- Appendix C: Sample cease & desist 
       letter -- Appendix D: The 30-day zero debt challenge! -- 
       Appendix E: Consumer resources. 
650  0 Finance, Personal. 
650  0 Debt. 
650  0 Consumer credit.