Audio only
Zero Balance
A Judgment-Free, Step-by-Step System for Escaping $5,000-$30,000 in Credit Card Debt - Choosing Between Snowball and Avalanche, Getting an APR Reduction or Balance Transfer Approved, and Building the Daily Habits That Stop New Debt From Piling OnBy Imad Muratspahic
Length3h 25m
About this audiobook
A Judgment-Free, Step-by-Step System for Escaping $5,000-$30,000 in Credit Card Debt - Choosing Between Snowball and Avalanche, Getting an APR Reduction or Balance Transfer Approved, and Building the Daily Habits That Stop New Debt From Piling On
Audiobook details
GenreBusiness and Economics, Self-Help
Length3 hrs 25 mins
Narrated byListen with 1,000+ voices
FormateBook with Audio
Publish dateSep 26, 2026
LanguageEnglish
Table of contents
1Zero Balance
2Important Notice
3The App You're Afraid to Open
4Why You're Stuck (And Why That's Not a Character Flaw)
5The Full Inventory: Every Card, Every Number
Show all chaptersShow less
6Snowball vs. Avalanche: The Real Decision
7The Bare-Bones Budget That Finds Your Payoff Number
8Finding Extra Money Without a Second Job
9The APR Call: A Script That Actually Works
10Balance Transfers: When They Help and When They Trap You
11Consolidation Loans and Hardship Programs Issuers Don't Advertise
12Automating the Plan So Willpower Isn't Required
13The Daily Habits That Stop New Debt From Piling On
14When You Slip: Handling a Missed Payment Without Spiraling
15The $1,000 Firewall: Why You Still Need an Emergency Fund
16Watching Your Score Move While You Pay It Down
17The Day the Balance Reads Zero
18Debt Payoff Quick-Reference Guide
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