Debt-Free Forever by Gail Vaz-Oxlade (the beginning after the end read novel .TXT) 📕

here’s the index.

Page numbers in bold refer to material found in tables and charts.

Page numbers in italics refer to blank worksheets.

A

analysis, spending, 10–20

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

attitudes

towards money, 46, 274–75, 278–79

towards work, 138–39

automobile. See car

B

balance transfers

credit cards, 95, 98–100

line of credit, 95, 100

bankruptcy, 97, 246, 255, 256–67

Bankruptcy and Insolvency Act, 259

co-borrowers/co-signers and, 261

consumer proposals, 258

credit reports and, 122, 267

debts not discharged by, 260

living expenses during, 263

RRSPs and, 262

student loans and, 127, 260, 261

beneficiaries

changing, 227–28

estate, 243, 244

life insurance, 228

RESPs, 242–43

scholarship plan, 204

Budget Worksheet, 60–61, 67, 73, 91–93

budgeting

goal setting and, 86, 159, 163–66, 170, 175, 181, 214, 216, 217, 293, 294

C

Canada Deposit Insurance Corporation (CDIC), 200–201

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

Canada Learning Bond, 202

Canada Student Loans, 128

car

expenses, 62

insurance, 14, 64, 87, 173–74, 218

payments, 62, 164, 211, 217

career, goal setting, 139, 144, 149, 151

cash advances

credit cards and, 15, 139

cash flow, 32, 82–84, 95, 115, 148, 206, 216, 231, 250

augmenting with credit cards, 20, 66, 103, 250, 273

impact of debt on, 30, 103, 125, 140

variable income and, 79–80

child care costs, 81, 63, 72, 211, 217, 218, 231

children. See kids

collection agencies, 122, 129, 252–55, 283

commitments, 40, 63, 97, 143, 299

credit and, 255–56, 266

investing and, 196–98

budgets and, 2, 9–10, 55, 58, 61, 101, 120, 158, 272–73, 275, 278, 281, 293

compounding return, on RRSPs, 190

consolidation loan, 26, 27, 29, 31, 95, 96, 100–102, 103, 104, 106, 108, 109–10, 128, 131, 250, 256

consumer debt, 25–26, 34, 42, 43, 44, 64, 79, 95, 104, 106, 107, 109, 158, 272, 281

credit cards, 12, 25, 26, 27, 29, 31, 43, 56, 79, 96, 101, 121, 231, 261, 278, 283, 285

lines of credit, 15, 25, 26, 27, 29, 31, 101, 121, 210, 250

repayment of, 26, 44, 105–12, 256, 272, 281, 286, 291, 292, 293

repayment proposal, 120

consumer proposals, 258

core values, 39–43

Core Values List, 39, 41, 42

credit bureaus, 267, 282, 288–89

credit cards, 12, 25, 26, 27, 29, 31, 43, 56, 79, 96, 101, 121, 231, 261, 278, 283, 285

augmenting cash flow with, 20, 66, 103, 250, 273

balance transfers, 95, 98–100

cancelling, 117–19, 118

cash advances, 15, 139

effect on your ability to borrow, 121, 283, 288–89

establishing good credit history and, 117–19, 265–66

insurance on balance, 12, 13

insurance perks, 290

interest rates, lowering, 12–13, 30, 96–98, 105, 174

over-limit fees, 12–13

paying off, 105–12, 272, 281, 286, 291, 293

restricting use of, 47, 53, 54, 55, 130, 153, 158–9, 179–80, 204, 286, 292, 296

secured, 265–66

using to your advantage, 130–31, 289–91

variable expenses and, 72

credit counselling, 255–56, 257, 265

“credit repair,” risks, 287

credit reports, 119–123, 285, 288–89

bankruptcy and, 122, 267

collection agencies and, 112, 129, 283

rating codes, 120–21, 122

credit score, 30, 103, 110, 111, 120, 122–23, 286

factors affecting, 282–85

credit, types of

open, 121

revolving, 100,101,121

See also credit cards; line of credit

credit-reporting agencies. See Equifax Canada; TransUnion Canada

critical illness insurance, 238–41

D

debt

consumer, 25–26, 34, 42, 43, 44, 64, 79, 95, 104, 106, 107, 109, 158, 272, 281

fatigue, 107

repayment of, 15, 23, 26, 32–33, 44, 61, 105–12, 256, 272, 281, 286, 291, 292, 293

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

debt counselling. See credit counselling

debt repayment, 15, 23, 32–33, 61, 64, 65, 93, 107–13, 293

credit cards, 105–12, 272, 281, 286, 291, 293

lines of credit, 79, 231

student loans, 44, 127–30, 293

deposit insurance, 200–201

disability insurance, 212, 234–38

discipline, money management and, 79, 158, 214, 217, 278, 281, 291

E

emergency fund, 2, 15, 38, 45, 123, 158, 166, 176, 209–10, 211, 276, 287

budgeting for, 60, 70, 81, 159, 172, 212–19, 249–50, 275, 294

essential expenses and, 210–12

using, 219–20

employment insurance, 212, 247–48, 249

Equifax Canada, 119, 120

equity investments, 200

essential expenses, 68, 69, 164, 165, 168–69, 210–12, 214, 218, 219

estate planning, 241–44

beneficiaries, 204, 227–28, 242–43, 244

guardianship appointment, 243

lawyers, 244

life insurance and, 228, 231, 232–33, 240

living trusts, 243

powers of attorney, 243

wills, 221, 241, 242–43, 244

expenses

fixed, 72–73, 80

variable, 68, 69, 72–73, 74

F

Fair Isaac & Co. (FICO), 282

fixed expenses, 72–73, 80

G

GICs, 194–95, 197, 199, 200, 231

goal setting, 37–39, 41–42, 47, 48, 54, 58, 80–81, 116, 271–76, 296

achieving goals, 95, 102, 281

budgeting and, 86, 159, 163–166, 170, 175, 181, 214, 216, 217, 293, 294

career and, 139, 144, 149–151

kaizen, 298

kids and, 167

long-term goals, 38, 44–45, 70, 94, 190, 193–98

milestones and, 4, 38, 39, 43–46, 48

prioritizing, 39, 41, 42–43, 49, 50, 182, 292

visual aids and, 51, 53–54, 167–68

guardianship appointment, 243

H

Heart and Stroke Foundation of Canada, 239

Home Buyer’s Plan (HBP), RRSP, 28

home equity, 25, 95, 102–104, 263–65, 285. See also consolidation loan; refinancing

household budget, 80–81, 87, 147, 231

house/home

borrowing for, 121, 267–68

buying, 50–54, 140, 267–68

“house poor,” 61

insurance, 14, 61, 64, 86, 87

maintenance, 160

refinancing, 103–104, 251

I

instalment credit, 100, 101

instalment loans, 27, 120–21

insurance, 154, 204, 217, 221–24, 241

car, 14, 64, 87, 173–74, 218

credit card balance, 12, 13

critical illness, 238–41

deposit, 200–201

disability, 212, 234–38

employment, 212, 247–48, 249

health

house/home, 14, 61, 86, 87

life, 87, 224–34, 242

medical, 218

mortgage, 51, 52, 233

perks on credit cards, 290

pet, 88

self-, 222–23

Integrated Student Loans, 128

interest rates; lowering, credit cards, 12–13, 30, 105

investments, 190, 193–200, 206

GICs, 194–95, 197, 199, 200, 231

life insurance and, 226, 230, 231

long-term, 50

RESPs, 201–204, 205, 242–43

RRSPs, 200, 205, 206

term deposits, 197, 199, 201

J

job loss, 246–252

creditors and, 250

cutting expenses a er, 249–250

employment insurance and, 247–48

finding work a er, 248–49

K

kaizen, 298

kids, 50, 55, 152, 261

and bankruptcy, living expenses during, 263

and budgeting priorities, 136, 139, 150, 158, 171

child care costs, 81, 63, 72, 211, 217, 218, 231

education savings, 15, 37, 176, 287. See also RESPs

expenses, 75, 87–88, 154, 160, 175, 249

goal setting with, 167

guardianship appointment, 243

job loss and, 247

teaching good money habits to, 161–62, 167

L

life insurance, 87, 224–34, 242

beneficiaries, 228

estate planning and, 228, 231, 232–33, 240

investments and, 226, 230, 231

“Life Pie, "e” (chart), 61–64

line of credit, 15, 25, 26, 27, 29, 31, 101, 121, 210, 250

augmenting cash flow with, 66, 103, 273

balance transfers, 95, 100

paying off, 71, 231

restricting use of, 286, 292

using to pay other debts, 54, 273

“living within one’s means,” 5, 112, 277–78, 279, 286–87

loans

consolidation, 26, 27, 29, 31, 95, 96, 100–102, 103, 104, 106, 108, 109–10, 128, 131, 250, 256

instalment, 120–21, 27

pay-advance, 26, 28, 29, 31, 123–25

student, 26, 27, 29, 31, 44, 100, 106, 121, 127–30, 260, 261, 293

long-term goals, 38, 44–45, 70, 94, 190, 193–98

long-term investments, 50