Zero Debt : : the Ultimate Guide to Financial Freedom

Locations
Call Number: 332.024 Kh, Adult Book / Nonfiction / Business & Economics / Personal Finance / Khalfani-Cox, Lynnette
On Shelf At: Downtown Library, Pittsfield Branch

Location & Checkout Length	Call Number	Checkout Length	Item Status
Downtown 2nd Floor 4-week checkout	332.024 Kh	4-week checkout	On Shelf
Pittsfield Adult Books 4-week checkout	Adult Book / Nonfiction / Business & Economics / Personal Finance / Khalfani-Cox, Lynnette	4-week checkout	On Shelf

Introduction -- Stop the flood of credit card offers -- Make a resolution to "stop digging" -- Put all your debts in writing -- Order your credit report and FICO® score -- Call your creditors & negotiate -- Switch cards if necessary -- Always exceed the minimum payment due -- Dispute any inaccuracies in your credit file -- Educate yourself about your legal rights -- Stop collection agency harassment -- Prevent identity theft to protect your credit -- Set up a good filing system -- Face the truth about your situation -- Create smart financial goals -- Figure out the $69,000 question -- Scrutinize your spending -- Make a realistic budget -- Find ways to cut your spending -- Adopt five lifestyle changes to save more money -- Adjust your W-4 withholdings if you get a refund -- Sell or donate stuff you don't want, use or need -- Find a way to generate additional income -- Apply for a home equity loan or equity line of credit -- Refinance your auto loan -- Pick a proper debt payoff strategy -- Weigh the pros and cons of debt management plans -- Evaluate your existing insurance coverage -- Draw up a will -- Open a "hands off" account & automatic savings plan -- Prepare to become a positive financial role model -- Address other money woes or special circumstances.

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