Debt-Free Forever Gail Vaz-Oxlade (best ereader for epub TXT) 📖

/>

M

“magic jars,” 61, 69, 70–79, 83, 153

medical insurance, 218

milestones, goal setting and, 4, 38, 39, 43–46, 48, 51, 52–53, 272, 274, 276

money, attitudes toward, 46, 274–75, 278–79

mortgage, 51–52, 68, 72, 81, 82, 86, 211, 217, 227, 242, 276, 279

bankruptcy and, 260, 263–64

credit score and, 284–85

insurance, 51, 52, 231, 232–33

investment, 199

paying off, 37, 44–45, 61, 174, 273

second, 25, 26, 29, 31, 102–104

See also consolidation loan; home equity; refinancing

mortgage insurance, 51, 52, 233

Mortgage Prepayment Savings Account, 45

N

non-essential expenses, 113, 249

O

overdradebt, 10, 26, 27–28, 29, 31, 71, 84, 106, 108, 125–27, 163

P

pay-advance loans, 26, 28, 29, 31, 123–25

peer pressure, 54–58

pension, 189, 191–92, 205, 231, 232

pet insurance, 88

powers of attorney, 243

priorities, 53, 246

budgeting, 62, 80, 181, 278

debt repayment, 26, 256, 292

goal setting and, 39, 41, 42–43, 49, 50, 182, 292

R

refinancing, 25, 26, 29, 31, 95, 102– 104, 110. See also consolidation loan; home equity

RESPs, 201–204, 205, 242–43

Canada Education Savings Grant (CESG), 201–203, 243

Canada Learning Bond, 202

scholarship trusts, 203–204

revolving credit, 100, 101, 121

RRSPs, 200, 205, 206

bankruptcy and, 262

compounding return, 190

Home Buyer’s Plan (HBP), 28

S

savings-matching programs, 191

scholarship trusts, 203–204

secured credit cards, 265–66

self-insurance, 222–23

Service Canada, 192

shopping, 176–83, 198, 298

budget-conscious, 53–55, 152–56, 160–65

for financial services, 237–38, 288

marital strife and, 54

planned spending, 163–64

stopping, 47, 131, 153–56, 297

See also peer pressure

short-term investments, 199–200

snowballing debt repayment, 44, 110–12

spending analysis, 10–20

Spending Analysis Worksheet, 11–17, 21–23, 64, 66

“staycations,” 16–17

student loans, 24, 26, 27, 29, 31, 44, 100, 106, 121, 127–30, 201, 293

bankruptcy and, 127, 260, 261

Canada, 128

credit reports and, 121

discharging through bankruptcy, 127–28, 260, 261

integrated, 128

paying off, 44, 127–30

T

Tax Free Savings Account (TFSA), 212–13

term deposits, 197, 199, 201

Til Debt Do Us Part, 40, 150

TransUnion Canada, 119, 120

travel. See vacations

V

vacations, 14, 37, 38, 43, 50, 69, 154, 157, 182, 231

at home, “staycations,” 16–17

budgeting for, 16, 45, 55, 81, 83, 159, 160, 163, 168, 170, 171, 287

insurance and, 237, 290

time, as job benefit, 143, 248

using home equity and credit for, 102, 105, 139, 266

variable expenses, 68, 69, 72–73, 74

credit cards and, 72

visual aids, 51, 53–54, 167–68

W

wills, 221, 241, 242–43, 244

work, attitudes towards, 138–39

worksheets

Budget, 60–61, 67, 73, 75, 91–93

Spending Analysis, 11–17, 21–23, 64, 66

About the Author

GAIL VAZ-OXLADE, one of Canada’s most successful and respected financial writers, is the author of several bestselling books, including It’s Your Money, Money-Smart Kids and Never Too Late. She delivers her no-nonsense approach to money management as the host of the television shows Princess and Til Debt Do Us Part. Visit her online at gailvazoxlade.com or on Twitter @gailvazoxlade.

Copyright

Debt-Free Forever

Copyright © 2009 by Gail Vaz-Oxlade.

All rights reserved under International and Pan-American Copyright Conventions. By payment of the required fees, you have been granted the non-exclusive, nontransferable right to access and read the text of this e-book on-screen. No part of this text may be reproduced, transmitted, down-loaded, decompiled, reverse engineered, or stored in or introduced into any information storage and retrieval system, in any form or by any means, whether electronic or mechanical, now known or hereinafter invented, without the express written permission of HarperCollins e-books.

Epub Edition © NOVEMBER 2011 ISBN: 978-1-443-41282-7

Published by Collins, an imprint of HarperCollins Publishers Ltd.

First published by Collins in an original trade paperback edition: 2009 This revised trade paperback edition: 2011

™ is a trademark of CW Television Inc. used under license. Til Debt Do Us Part is copyrighted and used with permission from Frantic Films Corporation.

HarperCollins Publishers Ltd 2 Bloor Street East, 20th Floor Toronto, Ontario M4w 1A8

www.harpercollins.ca

Library and Archives Canada Cataloguing in Publication information is available upon request

ISBN 978-1-55468-591-2

About the Publisher

Australia

HarperCollins Publishers (Australia) Pty. Ltd.

25 Ryde Road (P.O. Box 321)

Pymble, NSW 2073, Australia

http://www.harpercollinsebooks.com.au

Canada

HarperCollins Canada

2 Bloor Street East - 20th Floor

Toronto, ON, M4W, 1A8, Canada

http://www.harpercollinsebooks.ca

New Zealand

HarperCollins Publishers (New Zealand) Limited

P.O. Box 1

Auckland, New Zealand

http://www.harpercollinsebooks.co.nz

United Kingdom

HarperCollins Publishers Ltd.

77-85 Fulham Palace Road

London, W6 8JB, UK

http://www.harpercollinsebooks.co.uk

United States

HarperCollins Publishers Inc.

10 East 53rd Street

New York, NY 10022

http://www.harpercollins.com