About the Book
In No Balance Due, Lenny Tumbarello taps into his experience and research revealing the secrets to a successful, rewarding and debt-free life. At the heart of this life-changing book is the premise that every person can achieve debt-free results and reap the real rewards of life. But how?
Tumbarello shows that the real key to success is looking at your values when you spend and thinking about what you truly desire instead of aimlessly following what the Joneses are doing.
Based on the everyday wisdom of real people from all walks of life, along with the practical strategies he used to climb out of his $67,000 personal debt, Tumbarello presents a proven, step-by-step plan for effectively pursuing a life with No Balance Due.
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More than a simple self-help book, No Balance Due offers a verified path for finding and fulfilling your debt-free American Dream. It helps you understand who you are, what you really want and how to achieve it.
Through the process, you discover or reaffirm what you probably already know. But most important, through the stories, you’ll learn to adopt and apply strategies that almost all financially independent families share.
This inspiring book offers practical tips for regular ordinary people on their life journey, helping them produce extraordinary results. Pursuing that life free of debt gives people a sense of delight and deep satisfaction.
It helps them transform “just barely getting by” into “making a difference” in many areas of their life.
No Balance Due shows you how to give yourself the greatest gift you can — a life free of debt. Only after your financial issues are behind you, can you embark on a journey that leads to a life lived with more purpose, more passion, and more success.
Why risk NOT embracing these simple financial strategies? Life is short. Begin now.
How No Balance Due Became a Book
No Balance Due came about completely by accident. Because of a couple of business closures and selling the assets, my wife, Jackie, and I took a trip in our camper during the spring of 1997.
We discovered there were people who worked during the summers and played during the winters. They worked at campgrounds, amusement parks and state & national parks all across America.
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We fell in love with the Grand Canyon and would go to work there beginning that very summer. For the next several years we’d show folks the Grand Canyon during the summers and we’d travel back and forth along Interstate 10 during the winters. What a blast.
Meanwhile, our adult children were getting deeper and deeper into debt. It was on my mind to write down for them just what we had experienced and explain how we’d achieved our No Balance Due.
I’d always wanted to be a public speaker. Jackie suggested I should look into this speaking thing and give it a whirl.
In July of 2004, I attended the convention of the National Speakers Association to hang around and see just what it is these folks do.
I found out I should have a topic. What a GOOD IDEA!
On the third evening of this conference, I was eating dinner with several others who all talked about borrowing money, debt consolidation, home equity loans, refinancing and the like.
The whole darn table of people I was eating with was in debt up to their eyeballs.![]()
That’s when it hit me. These were white collar folks. My whole life I’d worked around and managed blue collar folks. Hey man - this is a topic - it cuts across all segments of our society. It’s something I know about.
Next, assuming I needed to research the topic, I read forty-seven books on the subject. During the process of the research is when the decision was made to write the book.
A two minute audio message from Lenny Tumbarello:



















