“Zero Debt : Break the Debt Cycle and Reclaim Your Life” by Neeraj Deginal is a remarkably well written book!

It’s a wonderful guide to manage personal finances and lead a stress free life on account of financial outcomes.
The book deals with various experiences of the author throughout his life and the lessons learned from them thereby, guiding the readers about practical and effective ways to manage personal finances.

The author talks about why and how modernization is leading to increasing debt cycles, more and more credit to maintain social status and methodologies to overcome it.

It’s a fine book, written in an easy and lucid language, with an appropriate sequencing of his experiences and lessons learned and ways to deal with debt and live a life free from worries about financial expenses.

Overall, I would like to rate it as 4.2 out of 5. Certainly recommend to everyone who would like to learn financial management from a basic level!

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