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About the Book

From the Blogs

Read what others are saying about the book on their blogs.

By Sadhuvi

In this book, Author narrates his own experiences in dealing with financial journey in his life..He speaks about how he fell in to a debt trap and what he did to rectify his mistakes…

By Mahesh Sowani

Zero Debt, Break the debt cycle and reclaim your life is wonderfully simple and simply wonderful book by Neeraj Deginal. This is the real life story of a man...

By Shilpi Chaklanobis

Life of rather I should say urban life especially in Metros and bigger cities is full of chaos now a days. Everyone is runner after name, fame and most importantly money. But little...

By Mithila Menezes

Do you want to secure a safe financial future for yourself and for your family, but don’t know how to go about it? Have you ever felt that everyone else is richer than you...

By Niyati Gogna

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...

By Aayesha Hakim

When I received this book, I thought it must be boring and based on accounts and finances, which honestly I have least interest in! My father handles and advises...

By Dr. Amrita

Simple easy to read style.The author has made the book copyright free .That means you can share as much as you want and help more people.That’s a lovely gesture...

By Amandeep Mittal

The modernisation is leading to an increase in debt cycles of an individual. We have seen that in the last decade, and what may the future holds. This is the core foundation...

By Kruti Shah

Today in the world of EMI, credit cards and the desire to posses various luxuries, the possiblity of an individual staying debt free is slim. The author in his book...

By Rebecca

Today I wanted to share my review of the above book, as I think there are a lot of things that can be learned from it. Being of the age and category of both young and financially...

By Rajan Mogha

Indian kids don’t understand finance till they marry. Till the time they are in college they are provided money by their parents and they don’t know how to manage it...

By Theysee

Indian kids don’t understand finance till they marry. Till the time they are in college they are provided money by their parents and they don’t know how to manage it...

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Meet Neeraj

Author Image

Hi, I am Neeraj Deginal - Author, Trader, Minimalist and IT Consultant. I am here to help you with becoming debt-free, trading and investment, minimalism or with IT needs.

I am the AUTHOR of the book "Zero Debt - Breaking The Debt Cycle and Reclaim Your Life". Writing a book was never a goal for me, but thanks to my Life Coach Satish Rao and my life experiences, I decided to write this book with a sole intention to help and motivate people to become debt free (loan free) and lead a better life.

I got into stock market by chance and series of events in my life which got me into serious trading. I am trained and mentored by Vishal Malkan and Meghna Malkan, one of the best trainers in the industry. I am a professional TRADER now and am passionate about it.

With more than 20 years of experience in IT at various roles, I am a Technologist by heart and provide IT Consulting services.

I am also a MINIMALIST in almost every aspect of life. I donated all my clothes and belongings to live in a suitcase. I sold my properties to live in a rented house. I work as part time IT CONSULTANT to make more time for myself, family, friends and my passion.

What Readers Say

  • "If you deal with money, you'll want to read this book."
    I rarely read a book & that it hooked it for 2 straight days must tell you something! It's written in a simple way & evokes thought. A good book must always make you think. I have been thru some experiences & I wish I read this book 10 years ago. I wish this was written 10 years ago. Keep it & read it every once in a while!

    - Srinivas Duvvuri
  • "Excellent, must read for youths who stepping into earning phase.
    Very well written with a personal practical point of view which is applicable to most youth these days . Life of a salaried person with diversion leads to more confusion due to age, friends circle, family detachment and many things. Kudos to Neeraj for reconnecting many who go thru this phase of life."

    - Satyajit
  • "Very practical and realistic. Most relevant in current life style of many big city dwellers."
    Most of us can relate to what Neeraj had gone through in his life. We all have lived through it or been close to those who have lived through it or living through it. It's dreadful to be in debt and can understand how life gets sucked out. The good thing about what Neeraj had written is the pragmatic and applicable solutions and guidance. In this era of a fast paced life that most live or go through not many of our parents can either guide us. Neeraj's book is a good guide to freedom for all those who are still stuck in their self created financial trap.

    - Jitendra B G
  • "Read this book to be free!"
    This is an inspiring book written by a modern day knowledge worker living and earning his living like most of us. His journey through and out of debt using a systematic approach has been inspiring. I have already started working on my personal finances based on Neeraj's insights. It is a great and practical addition to anyone's personal finance library.

    - Ankit Pal
  • "Well put together read. It made me evaluate my life and goals."
    Well put together read. It made me evaluate my life and goals. I think this book is perfect for the person that is an over achiever!

    - Richard A Raymor
  • "Apt Book To Be Debt Free."
    Very well written and articulated to convey the real life experiences of a growing professional in the corporate. Invaluable lessons for those who are starting off their career or in the mid life and definitely there are lot of takeaways that would help one incorporate in their life to become debt-free for good. My heartiest congratulations to Neeraj for such a fantastic outcome in the form of the book.

    - Mahesh Kumar Tallam
  • "Must read for everyone."
    I have read it once and am sure of reading it once more. It doesn't matter how much money you make or if you’re poor. It’s all about taking that step & doing yourself a favour by getting out of debt. I got hooked to the way each chapter is approached, those quotes at beginning of each chapter got my mind tickling. I admit it, got teary eyed as well, while reading few sections too. One should buy & read this book, not only for those who have enormous debts to clear but also to get a perspective in life. We are brought-up that ways, we need some (real) stories to learn & un-learn. Even if you are not in debt think of what this book could do for families with college students and teenagers. If they learn before going into debt they will thank the author.

    - Shruti Sud
  • Relevant,and Practical are two words that came to my mind while reading this book. This book is not just for those who are deep in debt, but for each an every person who wants to lead a self - sufficient, sustainable, and happy life! A Friend, Colleague - The author touches upon certain hard hitting facts about Assets and Liabilities. If you are thinking its related to just Finance, you are mistaken! a definite recommendation from my end to all to read!

    - Dedeepya
  • "The best out there!"
    A must read for everyone across generation. This book is brilliantly written with hard facts and truth that many of us go through but are shy to open about it. The authors fabulous journey is narrated and it's a treat to the eyes to read this. Highly recommended and must buy for a thoughtfull discussion with your own self.! Amazing!

    - Priyank S
  • This Book is not only about being Zero Debt, but an analysis about stages of life and its importance and obvious finance being pivotal in life. I was much encouraged when talked about passive income and at the same time pledge to cut down my CC and virtual social networking rather live in real and happy life. So happy to read this book by my friend/colleague and thanks for motivating us. Highly Recommended!!!!!

    - Tashi Bhutia

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