Michael Riley, Author at ZilchWorks Blog https://blog.zilchworks.com/author/gunny/ Live a debt-free life Thu, 25 Sep 2025 21:53:48 +0000 en-US hourly 1 https://wordpress.org/?v=6.9 https://blog.zilchworks.com/wp-content/uploads/2025/08/cropped-icon_512x512-32x32.png Michael Riley, Author at ZilchWorks Blog https://blog.zilchworks.com/author/gunny/ 32 32 Are You Too Comfortable With Your Debt? https://blog.zilchworks.com/are-you-too-comfortable-with-your-debt/ https://blog.zilchworks.com/are-you-too-comfortable-with-your-debt/#respond Thu, 25 Sep 2025 15:14:21 +0000 https://blog.zilchworks.com/?p=561 When was the last time you thought about your debt, not just the amount, but what it really costs you? Do you know how much you owe right now, down to the dollar? Do you know the interest rates on each card? Could you name them without digging through a drawer of statements? Do you ... Read more

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]]> https://blog.zilchworks.com/are-you-too-comfortable-with-your-debt/feed/ 0 Real-World Case From Reddit: Debt-Free in 24 Months https://blog.zilchworks.com/real-world-case-from-reddit-debt-free-in-24-months/ https://blog.zilchworks.com/real-world-case-from-reddit-debt-free-in-24-months/#respond Sun, 21 Sep 2025 09:23:37 +0000 https://blog.zilchworks.com/?p=157 Recently, I came across a post on Reddit’s r/personalfinance. The original poster listed their credit card balances and minimum payments. At first glance, everything looked fine — but when I checked their math, I noticed the minimum payments didn’t add up. That small mistake makes a big difference in how long debt hangs around. This ... Read more

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]]> https://blog.zilchworks.com/real-world-case-from-reddit-debt-free-in-24-months/feed/ 0 How to Stand Out from the Crowd: The Timeless Secret of A Message to Garcia https://blog.zilchworks.com/how-to-stand-out-from-the-crowd/ https://blog.zilchworks.com/how-to-stand-out-from-the-crowd/#respond Sat, 20 Sep 2025 12:31:35 +0000 https://blog.zilchworks.com/?p=541 Most people blend in. A few stand out. A Message to Garcia is the timeless reminder that accountability and initiative, not excuses, set you apart from the crowd.

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]]> https://blog.zilchworks.com/how-to-stand-out-from-the-crowd/feed/ 0 The Debt Snowball Story: How a Marine and a Forgotten Chaplain Changed Debt Freedom Forever https://blog.zilchworks.com/debt-snowball-calculator-story/ https://blog.zilchworks.com/debt-snowball-calculator-story/#respond Tue, 09 Sep 2025 15:45:57 +0000 https://blog.zilchworks.com/?p=427 Think Dave Ramsey invented the Debt Snowball? The real story began in 1986 with a chaplain’s idea and the first calculator in 1991. Here’s what really happened.

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]]> https://blog.zilchworks.com/debt-snowball-calculator-story/feed/ 0 How to Calculate Your Credit Card Minimum Payment (Step-by-Step Guide) https://blog.zilchworks.com/calculate-credit-card-minimum-payment/ https://blog.zilchworks.com/calculate-credit-card-minimum-payment/#respond Thu, 21 Aug 2025 21:59:45 +0000 https://blog.zilchworks.com/?p=146 Have you ever tried to figure out your credit card minimum payment using your cardholder agreement? It’s like reading a foreign language. The wording is slick, the formulas are buried, and the design is intentional. It’s not your fault if you don’t understand it — it was written to confuse, not to clarify. Here’s how ... Read more

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]]> https://blog.zilchworks.com/calculate-credit-card-minimum-payment/feed/ 0 Zilch Debt Reduction Software: Standing Strong Since 1991 https://blog.zilchworks.com/zilch-debt-reduction-software/ https://blog.zilchworks.com/zilch-debt-reduction-software/#comments Mon, 18 Aug 2025 19:46:11 +0000 https://blog.zilchworks.com/?p=93 I’ve heard it said that if you don’t tell your story, you may not like the story that’s been told. For more than three decades, Zilch debt reduction software has been one of the best kept secrets in the get-out-of-debt space. You can read the full story of how it all began on our About ... Read more

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]]> https://blog.zilchworks.com/zilch-debt-reduction-software/feed/ 2 A Reverse Poem About Debt: From Hopelessness to Hope https://blog.zilchworks.com/a-reverse-poem-about-debt-from-hopelessness-to-hope/ https://blog.zilchworks.com/a-reverse-poem-about-debt-from-hopelessness-to-hope/#comments Sun, 17 Aug 2025 00:43:39 +0000 https://blog.zilchworks.com/?p=33 This is a reverse poem about debt — a piece you can read top to bottom in despair, and then bottom to top for hope 💬 The Poem I’m deeply stuck in credit card debt.So don’t try to convince meI will rise above these bills.Because at the end of the day,I see no relief from these ... Read more

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