ZERO EMI : Unlock Your Financial Freedom Paperback – 17 September 2020

This book reached me at the right time, when I was struggling to fix the EMI that was eating most part of my income.The strategies and techniques described in this book by the author "Ra Ma. Palaniappan" has cleared the fogs that covered the financial insights that I needed for a long time.The Author is quite straight forward, he explains all the financial issues and how to tackle them with a live example of business giants, some from his personal surroundings, and also authors own life.This book educated me on the following,1. Good Debt and Bad Debt2. Impact of taking loans on products that will depreciated in its value (Eg.Car)3. Golden Rules of Credit Card4. Ideas to repay loan quickly5. Loan Restructuring6. Expense Management, Goal Planning, Calculated Risks7. eGold, Balance Transfer, Stocks, Mutual Funds, SIPAnd Many More...This book is written in simple English where everyone can understand the explaination without spending time on dictionaries.I'm sure that on following the author's ideas, one can easily reduce the EMI burden in a short span of time.

A small book with good insights, doesn’t dive deep into certain topics. But it’s apt for a commoner with zero knowledge about personal finance.If someone is thinking of coming out of EMIs and loans, this might give a high level idea about the same.

Ways to manage debts and attain better financial wellbeing is explained crisply in this book. It starts from describing why debts are dangerous and moves on to ideas for managing them and avoid taking loans.

Zero EMI doesn't feel like a book. It feels like a friendly conversation with an expert! The author has shared some very powerful yet simple and doable strategies to eliminate debt - be it credit card or loans. He seamlessly blends his own personal stories and experiences into the narrative. He gets his point across without using any jargons and that is the best thing about the book for me. The first thing I did after reading Zero EMI was to update my expense Excel sheets and go through my credit card statements. Highly recommend this book for a simple easy weekend read!

Started with great anticipation, but this book just talks about the authors own experience in plain English. he talks about loan repayment options but doesnt explain possible ways to increase the repayment amount. Its very obvious, if you increase your repayment amount , the loan amount goes down. i liked the loan interest rate clarity & hence 3 stars.

The book guides us to take calculated risk and teach method to repay our debts effectively.

The books talks about reasonableness and common sense. But unfortunately in today’s date common sense is not common. The book is a remembrance to all individuals with credit exposures to keep a vouch of same and be vigilant before getting engulfed into the debt trap.Nothing extraordinary but the common talks make you ponder and reflect on your personal level.Go for it 👍🏻

I know Ra Ma Palani as a member of the same ToastMaster club and it a pleasure reading his book.Book is a must-have for every desi who is looking into reducing his debt and increasing his cash-flow. I enjoyed reading good and bad debts. Amazing tips and multiple techniques gleaned from personal experience that offers a comprehensive approach to reaching 0 EMI lifestyle and staying that way.