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Almost all credit companies are offering interest free credit cards. However, not everyone is entitled to such offers, particularly those who have not had a card before. If you try to get interest free credit cards but you are not really qualified, you may end up getting a card that has a high APR with no introductory interest free offer at all.

However, this doesn’t mean that there is absolutely no card company that offers zero interest cards for beginners. There is a way to find interest free credit cards for you, and here are some tips:

1. Search online. It can be grueling to search for a credit card company that offers zero interest cards for beginners through the internet with the hundreds of card companies offering zero interest cards, but it is not entirely impossible. You should narrow down your search by keying “beginner” or “first timer” in your search. There are a lot of useful sites such as CreditCards.com.

2. Request for a credit report of yourself from the three credit bureaus, namely Experian, TransUnion and Equifax. You are permitted to get a free copy of your credit report per year. You need to make sure that none of them has written anything wrong in your credit report, especially since you are supposed to have a clean slate.

3. Don’t hesitate to approach a promising bank and speak to a loan officer or a credit agent. You can bring your credit reports along and explain that you are looking to apply for an zero interest card. You should completely answer questions regarding you current job, your salary, any debt or loan you have ever acquired and such. You also need to prove that you have the right attitude and the capability to pay your bills on time. You can, in turn, ask the officer if there is a chance that you would be approved for a zero interest card.

Having a zero interest card at your disposal can be advantageous for you. However, it is more important to learn how to manage your finances well first. It can be problematic if instead of learning to manage your finances, you learn to be too lax with your debts since these do not incur interest, which is a very bad habit. It would be best if you plan ahead and schedule your billing payments beforehand especially since late payment fees for interest free credit cards are relatively high than others.

As what is recommended to current card holders who want to get interest free credit cards, you have to be careful with interest free credit cards because they have very strict conditions and clauses. Any wrong move and you may lose the interest free offering. Your clean slate may end up getting tarnished. You may get a very low credit rating next time that it would even be harder for you to apply for a loan or an ordinary credit card.

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Financial transformation in just one hour a week!

You can revolutionize your finances in only sixty minutes! Looking for long-term economic stability and not common quick-fix schemes? Discover the secrets that Ellie Kay used to deliver her family from $40,000 in consumer debt. Now a nationally recognized financial expert and best-selling author, Ellie shares her one-hour-a-week program that has made it possible to take care of her family and do it all debt-free! With entertaining anecdotes, easy-to-follow charts, and practical advice, The 60-Minute Money Workout is both fun and feasible. You’ll be able to:
 
> Get out of debt and save for your kids’ college
> Have meaningful and debt-free vacations
> Pay cash for your cars
> Make a difference in the world by giving generously
> Find financial peace with your spouse
> Be content with your current circumstances
> Latch onto hope for your financial future
 
 
In just one hour a week, you’ll be financially stronger and smarter. Revolutionize your quality of life with the Workout and you’ll never look back!

“Ellie Kay has a unique gift of being able to communicate through many mediums. She is an expert on practical money matters. This book is filled with insights and tools to help any family experience financial freedom and contentment.”
—Ron Blue, founder, Ronald Blue & Co.: Wisdom for Wealth. For Life.

“Ellie Kay is wise, articulate, and practical. Her new insights in The 60-Minute Money Workout are no exception. If your finances feel out of control, this book will whip you into shape!”
—Dr. Kevin Leman, author of Have a New Kid by Friday and Have a New You by Friday

Praise for Ellie Kay

“Ellie’s work, helping us be better stewards, is one of the great services to families across our nation.”
—Dennis Rainey, executive director and radio host of FamilyLife Today

“The debt mentality in our society is rampant, and people are desperate. Ellie hits the nail on the head by defining those struggles and offering practical solutions in a remarkably clear way.”
—Howard Dayton, CEO, Crown Financial Ministries

“Ellie is amazing! I don’t think she ever sleeps! She provides great information and is always a fun guest on the show.”
—Bill Griffeth, host of CNBC’s Power Lunch

“A splendid example of the far-reaching and positive impact that an individual with vision and faith can make in our world. Thank God for people like her who are a tremendous inspiration!”
—Dr. Robert H. Schuller, The Crystal Cathedral and television host of Hour of Power

About the Author

ELLIE KAY is a financial expert on Good Money (ABC NEWS) and best-selling author of more than a dozen books and hundreds of magazine articles. She’s a regular media guest on CNBC, CNN, and Fox News, and has been featured on ABC Nightline, Your World with Neil Cavuto, and Fox and Friends. Her radio commentary for Focus on the Family airs on more than two thousand radio outlets around the world. She and her husband are the parents of seven children and live in Southern California. Visit her Web  site at EllieKay.com.

Excerpt. © Reprinted by permission. All rights reserved.Introduction

   Sixty minutes a week can completely revolutionize your finances.
   One hour a week. That is sixty minutes out of 10,080; 1/168th of your time.
   Whether you make $15,000, $50,000, or $500,000 per year, there’s one thing all of us have in common: each of us has sixty minutes per hour.
   Time.
   It’s the great equalizer. The president’s proportion equals the paparazzi’s.
   The plumber and the philanthropist.
   The mom and the maniac.
   The student and the senior citizen.
   To some, the minutes fly by. To others, they drag.
   For some, time is money. For others, money is time.
   Nonetheless, time is the great equalizer, and all of us have the same amount. How is it that some people can milk the most out of every moment while others inanely waste eons of instants? It’s what you do with time that makes it count.
   The difference in how you use the resource of time lies in how purposeful you are with your hours each week. If money matters are cited as the number-one problem in most families, then it seems that they should get at least an hour of our time each week.
   Give your finances sixty minutes a week and see how all things money-related will change:
   • You’ll get out of debt and be able to save for your kids’ college tuition.
   • You’ll have more meaningful and debt-free vacations.
   • You’ll be able to figure out how to pay cash for your cars.
   • You’ll make a life-and-death difference around the world in the way you give money to others.
   • You’ll find peace with your mate.
   • You’ll discover contentment with your current circumstances.
   • You’ll latch on to hope for your financial future.
   • Your money life will be completely revolutionized.
   Do these promises sound like glib guarantees made from a woman with an overactive imagination and too much caffeine? Don’t be fooled. These are the assurances from a woman who has been able to deliver on every single principle while financially supporting seven children on an average family income of $55,000 a year. This book doesn’t promise empty theories that are written from a glass penthouse with a fine city view. No, this book was birthed among the grit and grime of having too much month at the end of the money.
   My husband and I discovered early in our marriage, when we carried the heavy burden of $40,000 in debt and no hope in sight, that one hour a week could change our financial lives forever. We started these weekly money workouts, and within two and a half years—on a military man’s salary—we were completely out of consumer debt, we began to pay cash for our cars, we took great vacations, we started a retirement fund, we put away money for the kids’ college, and we began to support orphans in third-world countries. Well into our second decade of marriage, we began to make more money—but the one-hour workouts continued because we wanted to keep progressing in a purposeful approach to how we managed money.
   Something to keep in mind during these workouts will be that you must first know your money personality so you can understand how it impacts the way you view, interact, spend, and handle money. Thus the money personality profile in chapter 2 will be a critical aspect of how each workout will function for you throughout the rest of the book. Each chapter begins with a fun preworkout test that will ask specific questions to help you prepare to get the most out of the chapter. The workout plans are straightforward and fairly simple. They get more complicated when you bring baggage to the table. So this book will show you how to check your gear at the door.
   The chapters also have very specific guidelines with notes on how to target each workout and get the most out of your hour every week. What you don’t cover in one workout, you table for the next one, and yet you will experience significant progress with each workout. Preparation is part of the key to success in these workouts, so I have included a list of what you will need before you begin (simple items such as a timer, paper, key resources for each subject, etc.). Each workout is tailored to a specific goal or topic.
   At the end of each chapter you will find a tip sheet to use during the workout hour. This tip sheet serves as an overview to the more detailed concepts addressed in the chapter and is designed to facilitate the workout. It will keep the action moving and alleviate any anxiety you may feel, such as, How do I remember what I’m supposed to cover? 
   Every money workout you do will make you financially stronger, smarter, and sweeter. You’ll become stronger, because knowledge is power and you are practically working out that knowledge into a purposeful plan for your life. You’ll be smarter, because any man or woman of wealth or influence will tell you that it’s smart to follow the money trail—especially your own. Finally, you will be sweeter, because by following the guidelines for these workouts, you are forced to bind the jerk within and release your gentleperson. The result is someone who can talk about money calmly, rationally, and purposefully so that you can have a completely revolutionized money life after only one hour a week.

Chapter 1: 60 Minutes to Financial Freedom

   Thirty years.
   That’s how long it took to achieve the dream.
   When I was at the ripe old age of ten, my parents won a trip to Germany because my dad bought a certain number of air conditioners for his part-time building business. They promised to bring me back “something special.” I imagined a Bavarian costume, a crown that belonged to a real princess, or maybe even a china teacup. Instead, they brought me a book and a rock. The rock came from the lake where King Ludwig allegedly killed himself, and the book was a compilation of his castles and treasures. They were a little odd, but those gifts ended up serving me well.
   At school, I used the book to write a report on King Ludwig that earned an A+. And the rock inspired a dream to one day see Neuschwanstein, also known as “the Disneyland Castle.”
   Three decades later I was able to fulfill those travel dreams, thanks to my international work with military families. As I walked through the castle’s gilded hall, my imagination wandered to what life must have been like for people such as King Ludwig, who had only known a life of wealth and privilege, then to have that life cut short through suicide or murder. I decided that my life as a mother of seven wasn’t that bad after all. I may not have been at the pinnacle of wealth and privilege, but I was fulfilling my dream, which also happened to be squarely in the path of another of my dreams: helping military families achieve their financial dreams.
   Along the road to a dream fulfilled, there was hope deferred, justice denied, and paradise lost. But one thing remained true: there was a plan and purpose for the ten-year-old version of me, and my dreams—some material, some personal, and some spiritual—were worth keeping.
   What were some of your childhood dreams?
   Do you still dream, or did you stop dreaming a long time ago?
   Would I trade my dream trip to see Neuschwanstein for anything else? Of course I would! There are boatloads of things in life that carry far greater value than a trip: my husband, kids, friends, health, and an entire host of far more meaningful things than the material ones. But the point is that if we are purposeful, principled, and proactive about money matters, then we can still hang on to those longtime dreams and watch them come to pass.
   Maybe your dream is to stop fighting about money with your mate.
   Maybe you want to buy a home or go to Paris.
   You might dream of putting your babies through college without a mountain of student-loan debt.
   Or you might want to be able to sponsor a third-world child and give her a life she couldn’t have without your help.
   While many people know they need to be proactive about money matters, few know the secret to putting feet to fiscal concepts. Knowledge alone is not enough to make a difference in a person’s financial picture. This knowledge has to be put into action regularly in order to reach your goals.
   So move over money “makeovers,” it’s time for the money workout.
   Makeovers fall short of truly revitalizing your financial picture. While they address the problem and suggest solutions, implementing those concepts on a day-to-day basis can feel like driving a Honda when you were dreaming of a roadster. Another challenge of a makeover is that you don’t know how to do it on your own after the experts leave.
   But my money workout method will teach you how to have self-sufficiency once this book is closed.
   Maybe you’ve tried to work on money issues but instead ended up fighting with your spouse. It might be that the thought of sitting down with all your bills is so overwhelming that it falls into the realm of impossible. Maybe you’re convinced that you will never get out of debt, live in financial harmony, or own a home. It’s not about how much ti…

Most helpful customer reviews

0 of 0 people found the following review helpful.
Make your Money Work For You
By Lexigurl
Hey Guys –

I have been reading and working with The 60 Minute Money Workout for the past couple of months. I have really enjoyed reading each chapter and doing the workout at the end! This book by Ellie Kay is set up so that couples or singles can work through money situations each week!

The 60-Minute Money Workout: An Easy Step-by-Step Guide to Getting Your Finances into Shape

Purchase your copy on Amazon.com today!

ISBN 978-0-307-44603-9

List Price : $14.99

Let your money work for you. Give your finances a 60 minute workout each week and begin to see the benefits. Ellie Kay teaches you the secret to making your money work for you not rule you. In one hour a week learn how to make ends meet, start saving and get out of debt!

My Review:

I rate this book a 3.5 out of 5. I did like the book and I definitely did enjoy the format. However, like most books on finance (for me at least) this was a very difficult book to stay interested in. I took it one week at a time. I also found that many financial issues do not effect due to my current marital status – which is single.

I think this book would be very beneficial to a family – it would allow couples to work through their finances and not fight about them. I recommend this book for people that want an easy way to begin communicating about their finances with their spouse.

The tips and tricks found throughout the book are very clever. I think anyone that is a consumer would benefit from reading this book and doing some of the money workouts. I plan on keeping the book and returning to it when my financial status is more complex.

Disclaimer: I received this book for the purposes of this review. All opinions are my own, honest and I only recommend items I truly see beneficial.

0 of 0 people found the following review helpful.
Ok for a beginner
By smelanie
I was excited to read this book because it promised that upon reading it you could revolutionize your finances in only sixty minutes per week. The author used the method described in the book to eliminate $40,000 in consumer debt for her family. That’s pretty impressive! The book itself was a pretty easy read. Ellie Kay, the author, writes practical advice, includes charts and examples, and really lays out the plan to follow to change your finances in just 60 minutes a week. The book is broken down into areas of your budget to focus on each week. I like this because if you feel you have an area of your budget that could use particular attention you can jump right to that chapter. I also felt that the book offered flexibility in the “60 minutes” area. Overall, I think this book would be great for someone who is just beginning to grasp the idea of a budget and has a lot of debt. For those of us who have been budgeting for a while and don’t have much debt to eliminate I thought the book only offered bits and pieces of take away advice.

0 of 0 people found the following review helpful.
Good book for beginners
By Jennifer R. Marshall
It has taken me a while to get through this book, mostly because you are supposed to do a chapter each week and there are quite a few chapters. Partially because it is hard to sit down and look at your spending habits and know you need to make some difficult changes.

The basic idea of the book is that you spend an hour each week looking at and working on your finances. This book would be great for someone who really doesn’t do that sort of examination on a regular basis. A lot of the points made by the author and the advice given wasn’t new to me, but the 1 hour a week concept did force me to sit down and focus on my finances more than I normally would.

I do think this book would make a great starting point for someone who is just starting to try to figure out their finances. For someone who already does, it might give a few new ideas or areas that they may need to add.

**I received a free copy of this book from WaterBrook Multnomah in exchange for my honest review. **

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