Book Review: Zero Debt: Break the Debt Cycle and Reclaim Your Life

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Title: Zero Debt: Break the Debt Cycle and Reclaim Your Life

Author: Neeraj Deginal

Page: 112 pages

Plot:  “Yes, being debt-free is POSSIBLE. If I could do it, then, anyone can do it!”Neeraj Deginal

Zero Debts – Break the Debt Cycle and Re-Claim Your Life, is about the author’s ten-year long journey from going neck deep into debt to being absolutely debt-free.

In this book you will learn:

How the author got into debt (circumstances)
How being in debt paralyzed cognitive decision making
How even simple day to day life became complicated
The thought process applied by the author to analyse his situation rationally
Systematic steps taken by the author to become and stay debt-free and the dilemmas faced during execution
Further actions taken to simplify life and plan for a better life

This book seeks to inspire the reader to become debt-free, which eventually leads them to total freedom, be it, financial freedom, emotional freedom or freedom from stress.

Thoughts:  Today in the world of EMI, credit cards and the desire to posses various luxuries, the possiblity of an individual staying debt free is slim. The author in his book ‘Zero Debt: Break the Debt Cycle and Reclaim Your Life’ shares his personal experience of getting into a heavy debt cycle over the years and eventually breaking free from it.

The author starts by highlighting the fact that how families and schools fail to teach kids about managing finances since they are provided for and never have to do so until they start earning. Likewise, the author himself started to manage finances once he started his career. He took various loans to afford a lifestyle and got neck deep into debt.

In the latter half of the book he discusses various ways and methods he adopted to overcome the debt crisis. The methods are very practical and can be adopted by most of the individuals who want to break the debt cycle.

A person with a limited knowledge of finance will be able to read and understand this book. This book is written in a simple language which can be understood by any individual who is struggling with finances and is looking for good advice.

Ratings: 4/5

PS: Thanks to the author and The Book Club for sending me a copy of the book in exchange for an honest review.

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