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I’m loaded down with student debt from college and law school and I’m always on the look out for a solution to ridding myself of that mortgage sized monthly payments. It turns out when you’ve pared your life down to the bone, a book like this isn’t helpful.

The advice is helpful if you’re hanging by your fingernails on the edge fielding calls from evil bill collectors. For those of us trying to get rid of ‘good’ debt — I’m still looking for a book with a good solution.

She has one good point, though — don’t live your life pared to the bone because there isn’t anything to give up when you’re in financial trouble.

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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

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Zero Debt explains financial jargon like: FICO, IRA, adjusted rate, 401(k), etc. before information on the subject is presented. Regardless of your level of debt, you’ll find some useful tips in this easy-to-read book. In short, here are some of the basics to experiencing Zero Debt and financial freedom. Evaluate debt. Stop creditors. Talk to your creditors and let them know what’s happening. Get rid of the unnecessary; stick with the necessary. Pay more on debt. Check your credit yearly. Check your FICO scores. Write letters disputing discrepancies on your credit report. Don’t write the credit reporting agencies; write the creditors directly. Start a budget and stick to it. Consistency. Start a savings plan by making small deposits, and gradually increase them as your debt decreases.

I like Khalfani’s approach to becoming debt-free. Most of what she wrote, I’ve already heard; however, hearing it again didn’t hurt. Sure this book is not going to solve your money problem; only you can. But you have to make a concerted effort to stick to the program. The only suggestion, from the author, I don’t recommend is going into a debt-consolidation program. Why pay someone to do what you can do yourself with a simple phone call? Think about it. What makes a stranger asking to reduce your interest rate more credible than you, the customer, calling to ask the same question? Not to mention, sometimes those services damage your credit rating. Hmm, something to ponder.

Reviewed by Esther “Ess” Mays for Loose Leaves Book Review

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I would recommend her book (used extensively during the workshop) to anyone deep in over their heads in debt and especially for young college students…the fastest growing segment filing for bankruptcy (we learned during the workshop).

Zero Debt is written as a 30 day action plan. However, it won’t take you 30 days to read this gem. The information is delivered clearly and in a reader friendly format that anyone can understand.

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However, there is one fundamental flaw: while the book’s target market are those in their 20′s and 30′s, oftentimes the book comes across as meant for a much younger audience, and manages to be extraordinarily condescending and trite as a result. Especially in the beginning chapters, the tone often slips from being impartially informative to a desperate and misplaced effort to be “cool.” Fisher and Shelly would have done much better to leave the outdated jargon and simplistic metaphors out.

Overall, this book is a valuable resource for the financially incompetent. It takes a little to get past the juvenile references, but once you do, it proves to be a great starting point for learning how to manage your money.
Rating: 4 / 5

That aside, I don’t regret purchasing the book, and I’ve gotten a lot out of it in spite of its lack of info that would have been more useful to me.
Rating: 4 / 5