Kshitij's Reviews > Zero Debt: Break the Debt Cycle and Reclaim Your Life

Zero Debt by Neeraj Deginal
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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. This became so stressful that he had a nervous breakdown. Then he managed his finances better and became debt free and stress free.

The book give tips about managing finances, time, health, work life balance and nost importantly valuing the things which matter.

However the way author paid his loan after taking interest free loans from his elder brother is not a path breaking advice. Everyone does this. But some tips in book are good and we should read it once. Word of caution though; it will not make you debt free. Just tell you the dangers of running into that trap.

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Reading Progress

November 16, 2017 – Started Reading
November 16, 2017 – Shelved
December 2, 2017 – Finished Reading

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Orinoco Womble (tidy bag and all) The same could be said of many American kids. I remember a girl at my university got her first checking account (as they were then) and couldn't seem to realise that writing checks lowered your bank balance! She seemed to think that she could just write checks forever on the initial deposit.

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