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

3.98  ·  Rating details ·  62 ratings  ·  17 reviews

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 paralysed cognitive decision making
 How even simple day to day life became complicated
 The thought process
Kindle Edition, 168 pages
Published June 6th 2017 by Happy Self Publishing
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Average rating 3.98  · 
Rating details
 ·  62 ratings  ·  17 reviews

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Dec 02, 2017 rated it liked it
Indian kids don’t understand finance till they marry. Till the time they are in college they are provided money by their parents and they don’t know how to manage it. Even after getting ot of college they do not handle and the parents usually do this for them. So naturally we are not very wise in making decisions regarding money management.

The same thing happened with our author Sh Neeraj Denigal. He married and incurred a lot of debt. He had three credit cards, 3 housing loans and one car loan.
Niyati Gogna
Sep 29, 2017 rated it really liked it
Zero Debt : Break the Debt Cycle and Reclaim Your Life" by Neeraj Deginal is a remarkably well written book!

It's a wonderful guide to manage personal finances and lead a stress free life on account of financial outcomes.
The book deals with various experiences of the author throughout his life and the lessons learned from them thereby, guiding the readers about practical and effective ways to manage personal finances.

The author talks about why and how modernization is leading to increasing debt
Jul 06, 2017 rated it it was ok
Shelves: got-for-free
It's not horrible...

As the author states, this is based on his experiences. The steps he took may not work for everyone, but he wants to inspire people to rethink their situations.

I can admire that and get behind that idea. But I think it could have been communicated better. The writing style the author prefers often omits small words such as "the" or "a" or "of," has some odd comma and semicolon placement, and uses the passive voice extensively. It becomes very distracting. In addition, some to
Mahesh Sowani
Sep 21, 2017 rated it it was amazing
Zero Debt, Break the debt cycle and reclaim your life is wonderfully simple and simply wonderful book by Neeraj Deginal. This is the real life story of a man who was crushed under endless EMIs. It narrates us how he was neck deep in debts and how he came out of it to become cent percent debt free. I am sure most of us, who bought a home to save tax, bought second home as an investment, purchased a car because it was on EMIs and are left with paltry salary after all the deductions, will be able t ...more
Aayesha Khan
Jun 10, 2020 rated it really liked it
When I received this book, I thought it must be boring and based on accounts and finances, which honestly I have least interest in! My father handles and advises me on money related matters, with me being clueless! This book exactly highlights how both the schools and families fail to impart any sort of financial education, and how as earning adults we have to pay the price for it. I could so relate to it after a few pages!

This book seeks to inspire the reader to become debt-free, which eventual
Shilpi Chaklanobis
Sep 28, 2017 rated it liked it
Life of rather I should say urban life especially in Metros and bigger cities is full of chaos now a days. Everyone is runner after name, fame and most importantly money. But little do they realise that where this chase of theirs would land them. Aspiring for a big house, luxurious car and other luxuries of life, we don’t even realise when we are entangled in the clutches of debt. Debt destroys lives, communities, and civilizations. Unmanaged and inefficient debt destroys wealth building. That's ...more
Dec 06, 2017 rated it liked it
The author has done a good job in bringing the topic that’s plaguing lot of young people. Societal expectations, lifestyle an relentless advertising leads to making debt cool. Lack of understanding about money and finances especially of how to manage finances is one of the main reasons.
This book is a very easy read, written very lucidly using simple language which makes understanding of the concepts easier.
Personally as I have read a lot of personal finance books which sometimes feel dry to lea
Aparna Prabhu
Dec 15, 2017 rated it really liked it
Zero Debt' is an ideal handbook on how to manage finances and also to maintain a fine balance in personal and professional level.

The book is broken down into chapters that dwell on author's early years, his financial and health woes, his advice for a better life and finally, the conclusion.The language used is simple and easy to comprehend. The author has meticulously penned down his initial struggles in understanding the financial ball game and also offered practical solutions to various proble
Yogendra Kumar Bairwa
Apr 19, 2020 rated it it was amazing
Overall, a good read. Moreover, it also has a holistic approach.

What I really liked about this book was that not only did it describe about how to deal with finances (debt as well as investment) , it also teaches you about how to manage your life. Like the importance of : taking care of health, staying away from gadgets, connect with family and relatives, etc to name a few. If followed wisely, the book can go to help you achieve your goals without committing the mistakes which the author had com
Sep 21, 2017 rated it liked it
In this book, Author narrates his own experiences in dealing with financial journey in his life..He speaks about how he fell in to a debt trap and what he did to rectify his mistakes…

I feel that this book is interesting and good to read!!! It is not preachy – Some of us may connect with the experiences of Author!!

My rating for this book is 3.5/5

You can read my full review of this book here -
Jan 10, 2020 rated it really liked it
A very nice practical book for starters on financial education explaining the demons of a common man and how to overcome them. I would definitely recommend this to my friends. Delighted to have read this book.
Major Lalit Kumar Jain
Apr 07, 2020 rated it it was amazing
Very relevant and relatable.

A very impactful read that drives home the importance of leading a debt free life. More importantly, the author's expirential narrative inspires and motivates that it can be done, no matter how deep the doldrums.
Aman Mittal
Oct 21, 2017 rated it liked it
Shelves: nonfiction
The modernisation is leading to an increase in debt cycles of an individual. We have seen that in the last decade, and what may the future holds. This is the core foundation of Neeraj Deginal's latest book Zero Debt: Break the Debt Cycle and Reclaim Your Life, a part memoir and other half of the book is full of some pragmatic advice.

The book starts by discussing author's life and how he started his career. It leads to cover up the most important decade of his life which includes settling in job
Nov 18, 2017 rated it liked it
The most important thing to highlight is that the author is recounting his experience and therefore it is not a guide to follow religiously. It will not necessarily solve your problems. What it will tell you, however, is that very often following a serious kick up the backside, an attitude change is required. With a lot of hard work, you CAN dig yourself out of the bottom of the trench.

Naturally, the book begins with our author in his childhood. I think it true that as children, we are taught ve
Wander Girl Life
Sep 27, 2017 rated it really liked it
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 t
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