Make Large Purchases With 0% Interest Financing
or
How I Renovated My Kitchen At 0% Interest Rate

A Step-By-Step Procedure eBook

Learn how I completely renovated my kitchen without using a home improvement loan, without taking a chunk of money out of my savings,
and without paying a dime in loan interest.

Payment is quick, simple and secure.
We accept the following credit cards as well through PayPal.

Once your payment is approved, you will be taken to a special download page
where you will be able to download the eBook.

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How I Saved Over $7,500 In Interest In Doing Kitchen Renovations

The kitchen is the heart of my home, and I always had dreams of this beautiful kitchen that I had seen in a model home. But my kitchen was nothing like that, and I thought, "Some day".

I wanted to gut my entire kitchen and start fresh with new floors, new insulation, new drywall, new cupboards, new appliances and new tile. After shopping around for awhile, I was offered 0% interest financing for 6 months to bring my dream kitchen to life. That was the push I needed, so I took advantage of it.

I was absolutely thrilled that I was able to save over $7,500 in interest payments! And I paid Zero Percent Interest! So, I got more kitchen for my money. I really got money working for me! And after reading my eBook, you can too.

This was the first big renovation I did in our home. After doing several more, and all paid for at 0% interest, I wrote down how I did it so I could share with others how easy it is to get 0% interest to pay for large purchases.

As you can see in the pictures, the kitchen is now the hub of my home. I love my new kitchen. It's a room I spend a lot of time in. Whenever I have a party, I keep getting compliments on how they absolutely love my new kitchen. My restaurant range has inspired me to be more of a gourmet cook. On Saturdays, I watch all these cooking shows on my LG refrigerator, teaching me new recipes for Saturday dinners.

So I learned that there are lots of ways to get interest-free money. My eBook shows you how step-by-step.

How I Started Using 0% Money To Pay For My Kitchen Renovation

After deciding that I wanted to renovate my kitchen, I started to shop for cabinets and such at my local Home Depot and Lowes. I noticed Home Depot was offering 0% interest rates when using their own credit cards to pay for purchases.

I felt like I should take advantage of their 0% offer because interest on tens of thousands of loan dollars adds up quickly. I had several thousand dollars in savings that I was considering using to pay for part of the renovation. But then I thought to myself, "Hey, let me make money on my money by letting my savings gain interest, and use their money to fix up my house. Why should I take money out of the bank when I can use their money for FREE!"

After shopping for the new kitchen cabinets, counter, floor, windows, doors, lighting, appliances, etc. I determined that I needed almost exactly $25,000. Always looking for the best "deal", I had also shopped for a home improvement loan. At the time, the best "deal" that would have a monthly payment around my monthly budget of $400.00. at the lowest interest rate available, was 8% for a 7 year loan with a $389.66 monthly payment. A shorter loan period meant monthly payments above my budget. A longer loan period meant paying even more interest than the $7,731.05 (see comparison table) with a 7 year loan. I, like everyone else, want to pay as little interest as possible.

So with the repayment amount of $32,731.05, I would be paying almost a third more (31%) for my $25,000 kitchen!

Even though the interest on a home improvement loan is tax deductible, the remaining interest is still quite high. So I said "No Thank You" to home improvement loan financing. Here are the figures:

$25,000 Kitchen Renovation Financing Comparison

Using A Home Improvement Loan Versus 0% Interest Credit Cards

Using A Home Improvement Loan	Costs	Using 0% Interest Credit Cards	Costs
Loan Amount:	$25,000	Loan Amount:	$25,000
Duration:	7 Years	Duration:	7 Years
Interest Rate:	8%	Interest Rate:	0%
Monthly Payment:	$389.66	Monthly Payment:	$450.00* (to start)
Total Repayment:	$32,731.05	Total Repayment:	$25,000
Total Interest Paid:	$7,731.05	Total Interest Paid:	$0.00
		Total Interest Saved:	$7,731.05

* Clarification in the eBook.

After deciding to save the $7,700 in home improvement loan interest, I concentrated on learning how to use the 0% interest that Home Depot was offering with their credit card. I started by trying to read the "fine print" of the financing terms summary that was in the advertisment, as you see here:

At the time, I didn't know much about interpreting credit card financing terms, but I quickly realized that:

Finance charges accrue (accumulate, build up) from the purchase date.
Accrued Charges will be added to your balance to be repaid, if you fail
to make any required payment on required due dates.

This means the 0% program converts to the prevailing interest rate,
which was 21%, if you pay late, even just once, shown here.

I noticed that shortly after starting the Home Depot 0% program, I started receiving offers in the mail for 0% interest balance transfer credit cards. These offers would let me transfer balances from my high interest credit cards to the new card, and let me pay 0% interest during the offer period, usually 12 to 15 months. You'll see examples of such offers later on. And like the Home Depot offer, after the 0% period ends, high interest would apply to my remaining balance. That's how the credit card companies make their profit.

One of the mail offers was for 0% on balance transfers for 15 months, with a 3% transfer fee, and an 8.99% fixed APR (Annual Percentage Rate) thereafter. Now I know how to avoid paying any balance transfer fees!

With the exception of the 3% transfer fee, this was the best offer at the time, so I applied for this card and was approved in about three weeks. Not knowing any better, the amount I had applied for was my Home Depot card balance. It turned out that I was approved for about $2,000 more than my Home Depot balance. And based upon the information I supplied on the application, the new card automatically paid my Home Depot card balance in full.

Watch this...

Because I had $2,000 extra credit available at 0% interest, or so I thought, I purchased about $1,500 worth of new pots, flatware, and china thinking those charges would be at 0% as well. The next monthly statement showed these purchases with 17% interest if I paid them off over time. A call to the card customer service department taught me that this card's "fine print" terms say that purchases made with the card would be at 17% interest. To make matters worse, I would have to pay off the entire balance transfer amount before my payments would be applied to purchases, Interest charges on the purchases would accrue until then. So there was no way to avoid the 17% interest on the purchases. A hard lesson to learn.

My eBook will teach you to avoid such expensive mistakes.

0% balance transfer offers have become very popular. I've gotten dozens over the years. Here are mail offers with the terms printed on the outside of the envelope:

By now you're probably wondering where the idea of using credit card companies' own 0% money came from. Well, I stumbled upon this way of paying for big purchases by accident. My name is Linda Anderson, and I'm just an ordinary middle class working woman with a home and a family that found this quite easy way to use free money the credit card companies don't want you to know about.

I've been using this technique for over five years now and it has worked perfectly. I've made over half a dozen major purchases for my home and have not paid a dime in interest.

Payment is quick, simple and secure.
We accept the following credit cards as well through PayPal.

Once your payment is approved, you will be taken to a special download page
where you will be able to download the eBook.

With My Ebook You'll Learn

The two correct types of credit cards to use for making large purchases
Who gets the 0% interest rates
In simple terms what the small print in 0% interest offers mean including:

Annual Percentage Rate (APR) for Purchases
Variable-Rate Information
Grace Period for Balance Repayment
Method of Computing Balances
Minimum Finance Charges
Balance-Transfer Fee
Late-Payment Fee

Where to find 0% interest offers
How new higher minimum monthly balance payments affect you
How the new Universal Default Clause affects you
How to compare 0% interest offers using our fool-proof comparison form
How to plan monthly payment amounts
Key questions to ask before signing up
To understand approved 0% interest offers
Understand why you will get lots of new offers
Specific Do's and Don'ts about 0% interest credit cards

You Will Get Proven Practical Advice From Linda Anderson Who Has
Not Paid Any Interest In Paying For Large Purchases

Linda Anderson's eBook has helped thousands of consumers just like you save many thousands of dollars in interest by showing you the secret procedures the credit card companies don't want you to know or use.

Linda writes in a down-to-earth, easy-to-understand practical style so you can apply the steps right away. Here is some of the feedback she routinely gets from people after applying what they learned in her book:

I was able to buy a brand new 25 ft sports cruiser boat instead of just a
19 foot run-about with the $11,000 in interest I saved using this book!
My wife and I were able to now afford a time-share condo unit
and save over $10,000 in interest - while paying it off in just seven years.
The bank wanted to charge me 9% interest, costing me over $6,000 to
finance the merchandise for my new store. I said "no thanks" and saved
the interest from what I learned in Linda's book.
I gave Linda's book to all three of my college age children so they don't
get trapped in credit card debt like I had been before Linda's book showed
me how to eliminate all those high interest cards. I've saved over $2,500
this last year alone. I only wish I knew all these tricks years ago!

Here Are Just Some Of The Amazing Money Saving Secrets,
Tips & Techniques This eBook Will Teach You...

Learn where to find the best 0% interest offers every time and make sure it fits your needs.
How the new minimum payment rate affects your payments so you can budget accordingly.
A step-by-step explanation of how to read credit card statements, in simple terms.
What the small print in credit offers means and how to recognize bad offers every time.
Learn why the "Universal Default Clause" can raise your monthly payments even if you've never made a late card payment.
Compare 0% card offers with the exclusive Credit Card Offer Comparison Form to assure you find the best terms and conditions the first time and every time
A *Guaranteed Procedure* to figure out what your monthly payments will be so you are never caught by surprise.
The "Key Questions To Ask Before Signing Up" and how to get the answers you want.
A *Proven Procedure* to always have money available for monthly payments.
Use the good payment history you've established to raise your credit limit and obtain 0% rate for the life of your purchase.

Here's The Bottom Line On How To Stop Paying High Credit Card Interest Charges On Your Big Purchases...

"Use 0% Interest Rate Credit Cards to Finance Large Purchases" will guide you step-by-step to:

Get interest-free money to pay for your major purchases.
Replace all your high interest rate credit cards with zero or low rate cards.
Accurately determine your monthly payments so you can be sure you can afford the payments.
Get free emergency payment fund money so you have money to make payments when unexpected expenses come along.
Use your good payment history to raise your Credit Score and never pay loan interest again!
... and much MORE!