How To Be Debt Free

How to Be Debt Free by Abhijeet Kolapkar – A Guide to Financial Freedom

Are EMIs and credit card bills affecting your peace of mind? In How to Be Debt Free, chartered accountant and bestselling author Abhijeet Kolapkar explains how debt works and how Indian borrowers can take steps towards regaining control of their finances.

Drawing on the mathematics of debt, the psychology of money and the realities of Indian banking, this practical guide demystifies interest rates, CIBIL scores and the hidden pitfalls of borrowing. With simple explanations and worksheets, it helps readers approach debt with greater clarity and confidence.

About This Book

In a society shaped by aspirations and financial pressures, managing loans and credit card obligations can feel overwhelming. Abhijeet Kolapkar breaks down the mechanics of borrowing and explores how debt can be managed and reduced rather than treated as a lifelong burden.

Grounded in the Indian financial context, the book addresses the connection between money, family, dignity and personal goals, offering readers a practical starting point for working towards financial freedom.

What You'll Discover

• How loans, interest and EMIs work
• Understanding CIBIL scores and credit-related pitfalls
• The psychology behind borrowing and financial decisions
• Practical ways to approach and manage debt
• How worksheets can help organise your financial journey

Perfect For

• Readers looking to understand and manage personal debt
• Indian borrowers dealing with EMIs or credit card balances
• Individuals seeking to improve their financial awareness
• Readers interested in personal finance and money management

Why You'll Love This Book

How to Be Debt Free turns complex financial concepts into accessible guidance relevant to Indian borrowers. Whether you want to understand your loans better or take practical steps towards reducing debt, this book offers a clear starting point for building greater financial confidence.