Zero Down Debt Book Review

I was looking at the library for some interesting budgeting books to share.  Zero Down Your Debt: Reclaim Your Income and Build a Life You'll Love by Holly Porter Johnson was one that the library had that was interesting.  I think that this was a great explanation to help people set up a budget and learn to live with it.  The book gives concrete examples and helps through the whole process of modifying and finding the best fit for your life.

How to get out of debt and enjoy debt free living with the powerful "Zero-Sum Budget" method

Zero Down Your Debt ─ How to manage money and experience debt free living: Getting into debt is a piece of cake, but getting out? That’s the hard part. Fortunately, award-winning authors Holly Porter Johnson and Greg Johnson offer actionable tips and advice in their new book on how to get out of debt and enjoy debt free living. The secret? The “zero-sum budget”— the black belt of budgeting methods and the answer to how to get out of debt and pay off that debt quickly. They should know: It helped them wipe out $50,000 of debt.
How to get out of debt: With just a pen and a piece of paper in your arsenal, you’ll learn how to implement a zero-sum budget and become debt-free – once and for all. The zero-sum budget’s primary tenets are giving every single dollar earned a purpose — whether it’s for bills, debt repayment or savings — and using last month’s earnings to cover this month’s bills. All you need is the know-how, some willpower, and a positive attitude to transform your financial situation. Let Holly and Greg Johnson show you how to put zero-sum budgeting to work for you.
In Zero Down Your Debt you will learn to:

• Unlock the powerful potential of your paycheck to help you save more and get ahead faster
• Seize control of your money by creating a simple monthly plan that actually works
• Understand the root causes of your debt and how to get out of debt
• Use a step-by-step plan to eliminate your debt once and for all and enjoy debt free living
• Identify and avoid budget vampires that drain your bank account and wreak havoc on your savings
• Prepare for unexpected expenses and survive financial emergencies

It was well written and super interesting stories that my it easy to read.  I thought that it was a fast read that was super helpful on such a tough subject and it included many personal stories that you could relate to in order to make all of the topics easy to understand.  The chapters walk you through the process to set up a budget to make sure that you are paying all your bills and saving money a tthe same time.  It give information about how you can be spending all your money at any budget and where to cut back to try to make ends meet and pay off debt.  I found it is be a good guide to the way that I do things as well (although I do prefer a good excel spreadsheet instead of paper and pencil because it is something that I can copy month after month so that I have a record of everything for the last few years).  I hope that you find this book super helpful and it helps you figure out how to make a budget and live within your means to make the most out of your life.  If you are already doing that, it might also help to figure out how to budget and change your budget to best fit your circumstances.  I hope that you enjoy the books and the stories as much as I did.