In the Summer of 1986 a friend of mine showed me a magazine article on “How to quickly pay off debts”. He knew I had a computer (Tandy 1000 SX) and asked me to help him build a payment plan just like the one described in the magazine. I used a spreadsheet program to calculate how to pay off all twenty-one of his debts. It took over 5 hours to manually figure it out. I remember thinking this was a good idea but not worth that much time.
So, I spent the next three months designing a computer program that would duplicate the results obtained with the manual spreadsheet method. The program was very crude but it worked. At this point it didn’t have a name I just referred to it as the “payoff program”.
I showed this program to a few friends and they weren’t very impressed. So, I copied it to a floppy disk and tossed it in a drawer. It sat there for about 3 years until one day I was looking for a programming project. I decided to create a more sophisticated version of that old “payoff program”. My hope was I could sell it to people who needed help getting out of debt.
I spent an entire year of evenings and weekends creating the first retail version of that program. In 1990, I began marketing my software known as “Zilch” through various shareware vendors. Other well-known shareware authors told me not to expect any sales for at least six months to a year. Imagine my surprise when two months later I received my first order from Gifford Wherry of Kennewick, WA. I haven’t looked back since.



Since 1991 I’ve been helping people just like you change their lives one debt at a time. Getting out of debt is a hard, difficult climb. A climb you can make. I will show you how to make that climb in the fastest way possible. So, roll up your sleeves, strap on your pack, and lets get going.
Get out of debt today 👉 https://zilchworks.com