How Canadians Can Get out of Debt and Save Money
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About this ebook
Christine Victoria
Christine Victoria is a creative and uplifting author who enjoys spending her time reading and making crafts. She likes to spend time with her family and friends. At home, you will find her curled up on the couch with her pet cat, Luke, or typing up her latest book on her computer. She also enjoys living frugally. Having graduated from college with debt, she learned to budget and pay off her debt in just a few months. She loves to seek new ways of saving money and enjoys helping others to save too. Now you will find she is happily debt-free, and if spotted at the grocery store, she can be seen holding up a line with her coupons and price matching.
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How Canadians Can Get out of Debt and Save Money - Christine Victoria
AuthorHouse™
1663 Liberty Drive
Bloomington, IN 47403
www.authorhouse.com
Phone: 1 (800) 839-8640
© 2016 Christine Victoria. All rights reserved.
No part of this book may be reproduced, stored in a retrieval system, or transmitted by any means without the written permission of the author.
Published by AuthorHouse 06/23/2016
ISBN: 978-1-5246-1569-7 (sc)
ISBN: 978-1-5246-1568-0 (e)
Any people depicted in stock imagery provided by Thinkstock are models, and such images are being used for illustrative purposes only.
Certain stock imagery © Thinkstock.
Because of the dynamic nature of the Internet, any web addresses or links contained in this book may have changed since publication and may no longer be valid. The views expressed in this work are solely those of the author and do not necessarily reflect the views of the publisher, and the publisher hereby disclaims any responsibility for them.
CONTENTS
Introduction
Chapter 1 Assessing the Situation
How much do you owe?
Transfer, Consolidate or Negotiate
Credit Score Report
Chapter 2 Spending Analysis
What Type of Spender are you?
Expenses
Fixed Expenses
Variable Expenses
Chapter 3 Income
Wage/salary
Gifts
Freelance/Hobbies
Refunds and Rebates
Chapter 4 Monthly Budget
Fixed Expenses
Home Expense
Insurance
Other
Variable Expenses
Medical Expense
Living Expenses
Spending Journal
Chapter 5 Extra Income
Work
Declutter
Get Creative
Showcase your cooking abilities
Drive your way to more money
Sports
Pets
Landscaping services
Clean, Clean, Clean
Tutor
Write
Temping
Rent out
Recycle
Get paid for shopping
Chapter 6 How to save money
Housing Expenses
Phone/Cell Phone/Cable/Internet
Bank accounts
Food
Transportation
Clothes
Entertainment
Auto/Home Insurance
Textbooks
Fitness Classes
Water
Chapter 7 Savings
Planned Savings
Pay Yourself First
Savings Accounts
Postponing Purchases
Stay Motivated
Investing
Extra Money
Be Aware of Your Money
Emergency fund
Education Savings
Home Savings
Retirement Savings
Tax Refund
Chapter 8 How to grow your savings
What Type of Investor are you?
TSFA (Tax Free Savings Account)
Esavings
GIC (Guaranteed Investment Certificate)
Mutual Fund
Stock
Bonds
Canada Savings Bond
Chapter 9 On-Going Financial Maintenance
Every day
Every Week
Every Month
Every Year
Conclusion
INTRODUCTION
Random people are knocking at your door. The bills keep piling up. Letters keep filling your mail box. You have creditors calling you at work and you don’t know what to do. It all seems so overwhelming and the idea of being debt-free seems like a distant dream. I am here to tell you it is not. I owed well over my credit limit. This debt grew since I came out of school and increased with consumer debt from mindless spending. I then said enough was enough and decided this was no way to live. You too can feel the bliss of not owing but actually saving. What is better than having money in the bank and being able to reach your financial goals and dreams?
The primary audience for this book are people who are in debt. This can be students with education loans, adults with mortgages or senior citizens wanting to retire but not knowing how. It is also a great guide to those who just want to learn more about their finances and find ways to save or make more money. Whatever your endeavor, this book is the answer.
You will learn to analyze your spending and effectively budget. You will shift from owing to being a saver. You will learn new ways of generating income and find out how you can grow your money. I guide you step by step on how you can improve your financial situation. In addition to supplying you with practical tools and tips. I have added informative questionnaires that will help you learn more about yourself. I will teach you by giving you weekly goal objectives that will help you to get closer to your dreams.
I have simplified your goal of being debt free and have broken it down into 8 simple steps.
Step 1 (week 1 & 2): Calculate how much debt you have
Step 2 (week 3): Add up all your expenses
Step 3 (week 4): Find