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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Book Review: Mary Poser

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Title: Mary Poser: Butterflies and white lies as Bollywood Comes to Nashville

Author: Angel A.

Pages: 478 pages

Plot: The recipe for a warm and humorous story…

In a modest bowl of Nashville, gently place a girl who is Country music, Bible belt, and a Steakhouse foodie.

Then add a surprise portion of exotic and handsome Anglo Indian, who is a passionate Bollywood director, vegetarian and Hindu.

Stir vigorously on a bed of intense attraction.

At first, the ingredients will seem to clash and separate.

Keep stirring…

Include a dollop of jealous boyfriend and a meddling mother.

Splash in a serving of fun and mischievous friends. Keep stirring…

Add a dash of crazy aunt and a minister father to keep the flavors working together.

Sprinkle in even more complicated family members to taste.

Cook on high emotions.

The secret ingredient that cuts through the sweetness is a final layer of shocking revelation that adds a surprising depth of flavor.

Finish with a twist of ‘Oh My God! Is she really going to do that?’.

Serve as tasty bite-size chapters in a novel dish of mayhem and madness with a side of Country music and Bollywood dancing.

Thoughts:  This book had me at the mention of Bollywood. I had to pick it up and find out an American’s perception about it. Mary Poser is plotted in Nashville, also known as the Bible belt.

Mary’s family is a traditional Christan family, making her an ideal daughter even if she has to let go off her dreams. Mary attends a Film Festival with her friends one night and meets this dashing Indian film director, Simha. Both are drawn towards each other and connect instantaneously. Bam! Mary’s conscious reminds her that she cannot fall in love with a non Christian man but her heart says otherwise. And the turmoil begins… With on and off communication and a lot of drama, Mary and Simha try to find their way in and out of this situation.

The plot seemed promising but the writing failed to live up to the mark. The characterization demanded more strength. The religiousness and at times racism came across more strongly than the love story. I couldn’t connect with Mary’s character since it didn’t seem realistic. Her choices in life were appalling and seemed too extreme. I enjoyed Mary’s and Simha’s love story in bits and pieces. The fact that for most of the book Mary was dating another guy she wasn’t in love with, diluted the love story.  What I really liked was Rumi’s quote references made at the beginning of each chapter. I loved the end with the butterflies in it.  To wrap it up, this was a mediocre book with mediocre plot and weak characterization.

Ratings: 2.5/5

PS: – Thanks to author for sending me a copy of this book via Netgalley for an honest review.

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