Got Debt? Get ZilchWorks. Helping people get out of debt since 1991.
Haven't head of us? Yeah, we are very good at what we do, we've just sucked at marketing.
Since 1991, our software has helped over 16,000 people pay off $114M in debt. I’ve now made the core tool — the Debt Snowball Calculator — completely free. A simple way for people to see the true cost of minimum payments. https://t.co/BNN0gLlzxv
#debtfreejourney
Most people don’t fail at getting out of debt…
They quit too early.
At first, nothing seems to happen.
But every payment builds pressure.
Then one debt falls…
And everything speeds up.
That’s the turning point.
👊 https://t.co/E5V7tI6lTc
And nearly 1 in 4 Buy Now, Pay Later users were late on a payment.
This isn’t random behavior. It’s how the math compounds when payments are stretched out.
46%.
That’s how many cardholders carry a balance.
Minimum payments aren’t designed to free you.
They’re designed to keep the machine running.
See the math yourself:
https://t.co/QuXDQ8rEul
46% of credit card holders carried a balance in 2024. Credit cards are built around minimum payments. Minimum payments are not a payoff plan — they are a prolong-the-debt plan.
Understand the math. Change the outcome.
🔗 https://t.co/BIElgIRFjB
Debt doesn’t happen all at once.
It happens minimum payment by minimum payment.
This video shows the moment everything changes.
See your debt-free date:
https://t.co/BIElgIRFjB
People don’t change because they’re motivated.
They change when results are visible.
A clear debt-free date.
Total interest savings.
A complete payoff roadmap.
That’s what makes progress stick.
https://t.co/GX48Df2SvB
#DebtFree#PersonalFinance
Step 2 isn’t about perfect numbers.
Estimates are fine.
Round numbers are fine.
You can adjust later.
A plan needs direction, not precision.
#DebtFree#PersonalFinance
Debt feels overwhelming when it’s scattered.
Different balances.
Different due dates.
Different statements.
Step 1 isn’t about fixing anything.
It’s about putting everything in one place.
Clarity starts there.
#DebtFree#PersonalFinance
Most people stay stressed about debt because they never see the full picture.
A complete payoff roadmap shows:
• What happens month by month
• Where the money goes
• When it actually ends
Clarity changes everything.
https://t.co/GX48Df3ql9
#DebtFree#PersonalFinance