My Zero Debt

You’ve probably heard all the same talk before, “Instantly lower your debt!” “Pay off your debt in a few weeks!” “Use this trick to make student loan disappear overnight!” Well, we’ve heard it too and we’re here to tell you there’s no simple solution that can fix all your problems and lower debt. Lowering and eliminating your debt takes time and patience.

At MyZeroDebt, we offer solutions that have proven to lower debt over time through the use of practiced finance strategies and strict budgets. We help you find a solution that works for your specific situation and help you build a strategy that will tackle your debt over time.

It’s a long and often difficult journey but with time and commitment to lowering your debt, you can use the information on this site to achieve your goals. Debt is scary and serious . . . and seriously scary but you’ll find that most people in the country are going through the same thing and even if you have massive student debts or monthly credit card payments, there’s always a way to start climbing your way out of debt and start saving for your future.

Financial Success

A Review of Tony Robbins 3 Tips for Financial Success

Recently the Huffington Post interviewed financial expert Tony Robbins on what he believes to be the secret to financial success. The simplicity of his advice seemed both valid and easy to digest for readers. He recommends these three tips for anyone, whether they are a millennial that has no money and is in a ton… Read the full article…

student debt

The Reality and Fantasy of Affordable College

We all dream of going to college for free. Many countries are doing it and we all hope someday the US will do it too. The reality is that it probably won’t happen anytime soon. So how do you pay for college when you’re just starting out? Even if you waited a while and have… Read the full article…

How to Use Mint

How to Use Mint

Mint is one of the most popular apps on the market for people that struggle financially. This mobile and desktop financial friend can help you set money goals, save for a new home, and show you where your money goes from month-to-month. If you’re curious about the service, yourself, then we have all the answers… Read the full article…

Financial Advice for New Parents

Financial Advice for New Parents

This is a challenging concept indeed. First-time parents struggle to manage their funds once a child comes into the equation. To be fair, it’s kind of a shock to the system, financially. You don’t consider how much it actually takes to save and spend money on a completely new person. You’re used to being self-sufficient…. Read the full article…

Financial Advice for Entrepreneurs

Financial Advice for Entrepreneurs

Starting your own business from the ground up can be one of the most difficult challenges you’ll face in life. There are setbacks, heartaches, and certain failures that are right around the corner. But, it’s the American Dream and you have what it takes to make. However, if you want to save yourself some trouble… Read the full article…

The Truth about Debt Management Companies

The Truth about Debt Management Companies

If you’re suffering from lots of debt and see a company like Consumer Credit Counseling Service saying they can save you from debt that might be extremely appealing. You might also be wondering, “is the cost really worth it?” Well, yes and no. You have to understand that these companies are not loaners. They do… Read the full article…

Spending Freeze and Developing a Support Group

Spending Freeze and Developing a Support Group

One of the most valuable tools for millennials to start saving money is to set up a support group to start what’s known as a “Spending Freeze.” If the concept is foreign to you, don’t worry. It’s pretty easy to understand. You’ve probably tried to stop all you’re spending at one point or another. As… Read the full article…

Save Money on Your Car Insurance as a Millennial

Save Money on Your Car Insurance as a Millennial

With student loans and just entering the job market, millennials are looking for new ways to save. Average student loan payments cost around 300 dollars per month. If you don’t find a decent paying job right out of college, it can be a struggle to make those payments each month. If you add on the… Read the full article…

How to Save Money on Your Health Insurance

How to Save Money on Your Health Insurance

Many people are finding it hard to imagine what healthcare will look like in the coming months of 2017. This might scare or alarm some people but the best way to break this fear is to be prepared. No matter what changes may come in the near future, you can always find cool tips and… Read the full article…

How Millennials are Saving Money for the Future

Technology is a millennial’s best friend when it comes to saving. People are free to take advantage of the vast amount of apps dedicated to helping people save money. The key difference between millennials and the previous generation is the way they handle money. Growing up in the height of an economic downturn, millennials have… Read the full article…

Why You Might Want to Sell Your Car

Why You Might Want to Sell Your Car

Ah yes, the modern age is full of childish delights, but the costs that come with them are a little too adult for most people. You might think this is a drastic idea, but you might want to consider selling your car if you need to escape debt. Surely you’ve given it a passing thought… Read the full article…

Minimalist Lifestyle to Pay Off Debt

Minimalist Lifestyle to Pay Off Debt

No magic, no hocus pocus, just simple sacrifices. You’ve probably heard the magic fixes that are supposed to solve your debt problems immediately. What you don’t hear often enough are the people that lowered their debt through making personal sacrifices over a long period of time. This is the real way to lower your debt…. Read the full article…

Habits to Help You Reduce Debt

Habits to Help You Reduce Debt

There are many ways you can reduce your debt, but how do you develop the simple habits that make saving a mindset? There are some great tips out there for developing these powers of saving and by changing just a few things about your lifestyle, you can see how easy it is to save and… Read the full article…

Cut up your card

Cutting the Cord to Break Up with Debt

You know the vicious song and dance, the endless cycle of paying off debt, then spending it a few days later because you want or need something. I think we’ve all been there. The question then becomes, “how do I break this cycle” People that find they can pay the minimum balance easily and keep… Read the full article…

Avoiding Holiday Credit Card Debt

Avoiding Holiday Credit Card Debt

When they holidays are on their way, it’s time to play! Or maybe you want to run and hide. Having debt when the holidays come around can be tough. You want to show the people you love just how much you care but you also have to take care of your own needs. That’s why… Read the full article…

Hiding Your Credit Cards

People often consider credit as an entity completely separate from their own pool of money. In fact, a study was conducted that gave two groups of people credit and the other cash. The group with credit was much more likely to spend more than twice as much on the same pair of football tickets than… Read the full article…

Lower Debt Philosophy

MyZeroDebt is dedicated to providing people a free source of the most relevant content for reducing debt and managing your money. We all have out struggles and the best weapon against debt are finding new strategies that work for your specific situation and trying them for yourself. Our philosophy is to find strategies that work, not to make promises that your debt can vanish tomorrow cause that’s not realistic and any that tells you otherwise is probably trying to sell you something.

We Have compiled the largest collection of debt-related articles from top finance blogs and spoken with experts to help you find the solution that works best for you. Whether you’re a student fresh from college trying to find a job or you made some bad financial decision in your 50’s, we have the answers you’re looking for, absolutely free!