If you are in any kind of serious debt, I have only one piece of advice: GET OUT OF IT!

Debt will drag you down and put such pressure on your life -- it's not worth it.

Use THIS BOOK "Zero Debt" to help you gain true freedom in your life...

And while you're at it, start reading RICH DAD, POOR DAD so you will be working TOWARDS something, not just struggling to get free. Freedom is great, but working towards a positive and constructive goal is even better.

Along the way you should also indulge yourself in some true FEEL-GOOD activities
such as you will find described and demonstrated most excellently and tastefully in
the NEW SEX NOW dvd.

And by all means, along the way you must KEEP THE FAITH.

If you work hard and persevere you WILL get out of debt one day.

I hope and pray that the day comes soon for you.

You might say Lynnette Khalfani is perfectly qualified to tell people how to get out of debt. She's been onstage with Dr. Phil and Jane Pauley and numerous others talking to people about spending wisely and managing their debt. However, what makes her the perfect candidate is that she was over $100,000 in credit card debt herself and dug herself out of it in only three years. While that fact is very impressive, the valuable step-by-step instructions on how to get out of a financial rut is what makes ZERO DEBT a book you'll really want to have.

Khalfani provides her readers with an easy to follow plan to get out of debt. She starts the lessons by defining debt and how most people find themselves caught up in it. Whatever the reason for the debt, it seems Lynnette Khalfani has a plan for it. From simple requests like opting out of credit card offers to more complex tasks like gathering all your bills and finding out what you owe, ZERO DEBT is well-balanced and simple.

ZERO DEBT is written in an easily followed conversational tone, a helpful trait when talking about finances to those who are already stressed when they pick up the book. Lynnette Khalfani breaks it down for the rest of us and I, for one, am grateful she did. I'll be following her steps to get myself on track financially and plan for the bright future ahead. (RAW Rating: 4.5)

Reviewed by CandaceK
of The RAWSISTAZ™ Reviewers

Zero Debt shows you step by step what to do about your financial situation.
This guide is full of tips how to stay debt free. You study your spending habits and are shown how to restructure them so you can save more.There are tips on overspending,dealing with you credit card company and how to lower your interest rate. How to obtain your credit report and and how to protect yourself from identity theft.
Zero Debt is a great guide to financial freedom.

This book may be useful for some poor debtors earning six-figure incomes (like its author) and still drowning in debt due to lavish lifestyles. But it is not very realistic for the rest of the world struggling with more modest means. The author shares her own debt history of how she paid off over $100,000.00 of credit card debt. However, she paid it off with a very lucky profit from two plots of land she purchased in 2001 for $37,500 planning to "quickly" develop them. She failed at that, but got lucky enough to resell the lots in 2003 for $200,000. So, for all you sitting on sufficient amounts of investments appreciating at 500% over a couple of years, this may be a practical solution for your debt problems. Not real helpful for the rest of us, though.

The author lost me with her Day 19 strategies for lifestyle changes to save money. Here she actually offers as one suggestion to "Go where the real bargains are" by flying to London or Milan for fashion bargains!! Her justification being that if you spend enough you will offset the cost of the plane fare in savings!!

Anybody out there really want to run that one by their spouse?

A Wealth Of Information, January 1, 2005
Reviewer: Franklin P. (Los Angeles, CA) - See all my reviews
I truly enjoyed this author's workshop also. I've seen several authors in person and they usually provide more information in person. That doesn't distract from the importance of this book. It contains a wealth of information especially for women like me who is rebounding from divorce with children. I've seen this author, Suze Orman (Oprah Magazines), Tiffany Love (Survivng Financial Disasters from TV) and I say that they all have great solutions for tackling creditors and erasing debt. Sometimes it seems frightening, but they make it simple. Buying their books costs less than hiring an attorney, so you truly do save a lot money.