The Book

Zero Debt – Break the Debt Cycle and Reclaim Your Life, is about the author’s ten-year long journey from going neck deep into debt to being absolutely debt-free. In this book you will learn:


  • 1. How the author got into debt (circumstances)
  • 2. How being in debt paralysed cognitive decision making
  • 3. How even simple day to day life became complicated
  • 4. The thought process applied by the author to analyse his situation rationally
  • 5. Systematic steps taken by the author to become and stay debt-free and the dilemmas faced during execution
  • 6. Further actions taken to simplify life and plan for a better life


This book seeks to inspire the reader to become debt-free, which eventually leads them to total freedom, be it, financial freedom, emotional freedom or freedom from stress.


If you have enjoyed reading this book, I request you to kindly write your review on Amazon. Your feedback is very important.


Available on all Amazon global websites including: Zero Debt: Amazon India  Zero Debt: Amazon US  Zero Debt: Amazon UK


The Author

Neeraj Deginal – Author, Trader, IT (Information Technology) Consultant, Minimalist and a Life Enthusiast!


Neeraj is a passionate person with a never say die attitude. After extricating himself from his debt-laden situation for good, he had a desire to share his experience, which could help and motivate others and hence his book Zero Debts – Break the Debt Cycle and Re-Claim Your Life.


After becoming debt-free, he quit his full time job to become a part time IT Consultant. Neeraj lives in a rented house with his wife and daughters; his parents, elder brother and family living next door. He follows minimalism (has limited pairs of clothes and stuffs – donated the rest) and likes to keep things simple.


He is vegetarian, likes to eat healthy food and exercise to keep himself fit. When he is not working, he likes to spend time with family & friends, reading books, traveling and for community services.


Neeraj is a Trader (stock market) as well, his newfound love and passion.

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