I don't have the guts to cut the cards. I need the cards to survive!@#$%%

Same here...sorta. Sometimes you need them - and always best instead of cash for emerg. fund. Very hard to NOT use though!

I need help with my credit i dont know how to check them and i dont even know how to look at them. I also want to improve my credit but dont know how. Please help i watch your show all the time and wish i have your knowledge.

Thank you Sincerely Jade

My husband and I are done with debt but now that we're in the black with some money in our pockets we don't know what the best thing to do with it is. Do we pay our mortgage off faster? Do we put it in RRSP's? Do we invest it other ways? We haven't a clue and would love to see a show that shows what to do once you're out of the red. We know what our goals are but don't know the best way to get there.

i need help with my credit i have made alot of bad choices in my life. and my credit is very poor i have alot of debt, and collections and charge offs and i dont know what to do i was working with lexington law but im wonderin if that will help please help i need some good advice thank you.

thnaks Gail. We love your show and we are on the right path to financial freedom because of paying attention of what to do and where we could be if we don't. We keep track of what we spend and when we started it was amazing how those little purchases can add up. I like the challenge of watching my money, and what we can do with it if we pay attention to where it wants to gol'

I love your show, getting out of debt is going to be hard but worth it in the end. I wish you could do more shows for single parents trying to raise kids on there own, when you don't have two incomes to rely on it is easier to fall behind.

Sometimes (usually, most of the time) it isn't about the money or the stuff, but what all this "means" to us and the behaviour we have around it. Our grandparents (and for some of us, our parents) did just fine without credit cards, etc. Let's check out our value system. For some, the spending, debting, under-earning is out of control and it is more beviour-related. Has anyone heard of Debtors' Anonymous? Feel free to google - some people may be surprised. Never too late to start fresh... like today! Blessings everyone!

I would love to get out of debt, but I am a single mom with no child support, and I am already working 60+ hours a week just to get buy. I only use the cards for emergencies, but medical bills and car repairs have been happening faster than I can pay them, so my debt keeps growing. I think it's much easier for couples. I would like to see Gail do a show about single parents.

I would love to get out of debt, but I am a single mom with no child support, and I am already working 60+ hours a week just to get buy. I only use the cards for emergencies, but medical bills and car repairs have been happening faster than I can pay them, so my debt keeps growing. I think it's much easier for couples. I would like to see Gail do a show about single parents.

Good evening,

Hi Gail,I just finished to watch your tv show called *Stil debt do us part* I like it because I just had a $1,000/month cut in my salary and I don't see any way out.
My question is: Is there a way someone can try to help, may be advises us?

Thank you,
Blaince

I also would like to see an episode that places the focus on single parents that are responsible and have solid incomes. There are quite a number of single parents that are also facing financial challenges, not because of the fact that they are single, but due to life circumstances.

Thank you.

My wife works and feels she can randomly decide whether or not to contribute her income to our bills. I pay the rent, food, insurance, car, gas, phone, cable, internet, daycare etc...I can't do it anymore.

Hi Gail.I am quite interested in your show.I'm in a commonlaw relationship of 8 years. We run a small business. We are also agents working on a monthly commission for a large firm. I just put my daughter through school. I am footing the expence myself. I had no savings so I took on a second job.Personally I have two lines of credit and a high credit card dept. Our money isn't pooled together and I think this is our first problem. He looks after the finances. Any thoughts on this.

Great show.

I'm a fairly frugal person & my now ex-wife really wasn't. I managed to pay most of our house off before she left.

I'm now single and am making child support payments $1100/mth plus half day care, sports fees, etc and must now get my own place w/ half of my assets gone.

I'd love to see a show on singles who are fairly frugal yet whose fixed expenses are substantial.

thanks
PKM

I have been reading many of your articles. I have yet to watch your show. I have made my budget (still needs to be tweaked). I have several questions. Is my budget income based on 26 biweekly paycheques or 24? Is it better to pay off a 4.69% car loan as opposed to a variable rate 3.5% line of credit (especially considering interest rates are supposed to go up?) Lastly, do I invest in RRSP and RESP's if I have not paid off my debt (excluding mortgage and car payments).

I look forward to becoming debt free! I find myself saying now that if I don't have the money, I can't buy it (for now)!

Thanks for what I have gleaned so far!

To Steph3...the answer to your question is to do both. Take the money you have and put it into your RRSP, assuming that you have the room, then when you get your tax refund take that amount and put it towards your mortgage.

I love the show but there is not enough focus on single parents ...it is always couples which does not reflect reality.

Start helping single parent households!!!

Great encouraging show! We need more shows like this. Thanks

HI gail ive got a huge problem witch im scrared for a divorce dont wont that ,my problem is ive got a 6 months baby boy and my EI will be done in march and my husban make good money and we are broke broke for no reason i dont spent money i get my EI every 2 weeks and i only have enought to pay the grocery milk for the baby and diapers then im broke i dont smoke dont go out or nothing i love to stay home but my HUSBAN hes the spender on coffee cigarettes hunting ect.. i dont even have a flowers from him or even a gift on xmas or birthdays ... he doesnt want to follow the budget ive made for us he does it his way are credit is not good we have no credit card cause he didtn pay we have no house and nothing saved up but we have a bunch of debt the bank dont want to help im afraid that if he doesnt change i wont be able to stay with him any longer i truly need ur help theres some more to say but not online its confidential. The dmoney test question dont work on my computer thanx for ur help

Blog Moderated:  Due To Personal Information.

i can seem to get my debt any smaller every time i pay something down another bill comes in and now i am just lost about everything have to do with my debt

I just lost all my credit, and I can honestly say that having no credit cards anymore was the best thing that happen to me. I am still paying the debt back through a consulation loan I have money in the bank for the first time in a long time

Here is something I just found out about credit cards: You are charged interest on your credit cards unless you pay off the FULL amount each month. Meaning if your credit card is at $1000 at its highest that month and you pay off $999, you don't pay interest on $1, you pay it on the full $1000!

Maybe everyone already knew this, but I didn't and it has made a difference in the last few months.

Hi Gail - I am desperately in need of your help. I am so stressed out over finances. I cannot make ends meet at the end of the month, and have 2 children to care for and support. Is there anyway you can help me sort out my finances, so I do not feel so stressed out and don't know how to manage. This has been an ongoing battle for years. PLEASE PLEASE HELP ME!

I had a phone call from Capital One 3 years ago wanting information from me about approval for a credit card but I had to pay $75.00 up front to have a $200.00 limit. I had used up my $200.00 limit and then had problems. After the fact now they want $1008 from me this is terrible. I have called them recently and tried to work out a payment plan I am a single mom and hopefuly will be working the spring but I would like this done and over with. I.m really hating to have to pay $800.00 when it was just a $200.00 hundred dollar limit.

me and my husband watch the show but half the time we laugh because we are as bad as the ppl on it. we take out payday loans and we havent put money on our credit cards for over three months, so we are now in the collection agency, we also havent paid our student loans in over two years because the government takes his $3000 tax return and puts it to the loans. whenever we finally do get out of the payday loan rutt and all our utilitie bills are paid up something else pops up we feel that we never will catch up so we just go out and blow a bunch of money on clothes, makeup, xbox wii or playstation stuff. we want to get out of debt we just dont think we can

I really like your show, it shows me a lot of debt repayment, the only thing I have problems with is figuring out how to calculate the "money jar" or debt repayment. I only throw all the money on the loan and I feel that I am not doing this properly. If you showed how you did that it would be great!

I love your show and weve been trying to follow it.we are in major financial trouble ..we have loans and maxed out credit cards and we cannot seem to catch up.currntly our house is for sale and we are going back to renting to make ends meet.we could really use your help.weve tried budgeting and that doesnt seem to work either...thanx

I believe the answer to Julia3 question is 15% of your net income should go to debt, 35%housing this includes your hydro and insurance, 25%on life (jar money) separated into food, transportaion, cloting &gifts and your last jar is the OTHER jar- this includes your monthly bank fees. 10% of your net should go to savings this includes rrsp %resp contributions and the last 15% should go to other. So this should ad up to 100% of your net income I personally tweeked this so the 15% other area goes to paying down mortgage and increasing savings for a rainy day, as well our housing costs are higher because of taxes and we increased our mortgage payments to be done in less than 7 years.

To Stubbs3 please make a list of your debtors, gvernment, student loans, collections etc and call all of your creditors and set up a repayment plan, the government paying your student loans with tax refunds is surely the last thing you want (the government handling your finances - when they barely handle their own) set up payment options and take control yourself, write and stick to a budjet and include a saving jar or you will never feel good about yourself or your money spending money on things like playstation and xboxes sure won't help you if you end up at the food bank or on welfare or both so please take control now.

use coupons you'll find them in the grocery store & save.ca as well as in newspapers (source and clip and save), use points cards ie: optimum (shoppers) airmiles @ Metro, buy in bulk and separate it yourself I did this last week and not only was everything on sale (burger at Metro $1.99lb) I have 10 packages separated in my freezer with using coupons & points cards saved me $65.50 in groceries last week alone!

There are nothing wrong with spending cash. On any given day I could tell you exactly how much I spent on dinning out or at any given store. I did this by using cash management program. I also use a prepaid credit card from a major bank with no monthly service fees (need it for work). I learnt that when the cash is gone its gone so I have to spend it carefully! Dining out went from $600 per month using credit to $72 per month using cash. Its a work in progress. I wish Gail had come to my rescue 5 years ago when I could have been rescued from my debt.

i would like to have someone make a budget for us but don't kow who to go to we are in saskatoon, Saskatchewan and was wondering if you had anyone in this areayou could suggest we see. thankyou

Hi there I am here watching you show, and I thought I would ask for your help. My mom is a single parent and I know she is in debt i would just like someone to help her. I know with the right management she could get through this problem. Any help you could provide would be greatly appreciated.

Thank You

T

I need help with my credit, am in lots of debt. I work two jobs to pay my debt but i'm not getting anywhere and i dont know what to do again. Please help me.

I have been watching the show for the last 2 years. I don't favour the 'jar system' but instead, have retrained myself and my thoughts about money. My husband and I went and got a consolidation loan to pay off our debt. It has taken time, and we have re-consolidted, but it has made a difference! We have saved enough money in order to put a down payment on a house, have money in savings, and have paid down our debt considerably! We got rid of all the credit cards and store credits, and pay cash for everything. We stay busy focussing on staying out of the stores and spending money on senseless stuff. Thanks for all the help and motivation Gail!

Love the show, going to buy your book.
This year I plan to to pay off my credit cards so my credit can be better than what it is now.
I have the same question as some of the other comments how do you calculate what to put in the jars? Please advise!

Love the show Gail! I am a 26 year old who has a lot of consumer debt. Luckily I live with parents rent free but I dream of getting my own house asap! I have started a new position and have managed to pay down $5000 since I have began in May. Any tips for me? I appreciate any feedback

Hi Gail, We love your show and watching all the time. I even bought your book to help us out with our finances. We had an appointment with one of our banks today and they suggested us to refinance our home to pay our personal line debt out and that would entail our mortgage being longer and payment increased. Our debt stands at 60% and the bank said it should be at 40%. I would appreciated any feedback.

Hi Gail, i've a lot of comments but first i think i need your help.I really need help, help, help. I've been watching your show for queit a while now, but i've never seen my situation, i mean similar as mine, so please give me a try, and i'll forever appreciateit.

thanks.

My husband and I just got married and we have no idea where to start. We have ALOT of debt and I just don't know what to do anymore... I'm beyond frustrated and I'm not blaming anyone on this..(well maybe a little) but having expensive taste an no money is not the way to live... what can we do??

Hi Gail,

I love your show & read your blog almost daily. I would suggest anyone needing help to develop a plan or budget,jar system,advice, or encouragement to look at the website http://gailvazoxlade.com

The resources section contains interactive worksheets to help make a budget.

Gayle, Love your show. Wondering if you have considered doing a show that is geared to those making less than 55k per year, raising a family and also one for single parents. Your thoughts on how to help young families (with one and two parents) on how to stay out of debt particularly when at times the credit card may feel like the only option to put food on the table. Great show!!

I have recently started watching your show and hoping to get financial gain by watching, but I noticed that your shows are viewing younger couples that have only a fiew years of debt. What about a couples that has been in debt for a while and is crying for help to get assistance not by getting another loan or 3rd mortgage to get cash,but to help pay down the hugh debt that they cant afford. Please help!!!!!

Hi Gail!
I just want to say that I LOVE your show. My fiance and I watch it all the time - I'm obssessed! With a marriage ahead (paying for it cash), and some money in the bank for a downpayment, and some RRSP's, we feel as though your show is an inspiration for those looking to maximize their money's potential. Next ahead: emergency fund! "If we don't have the money, we'd rather live without it". Thanks for the great show! Your personality is contagious and I know there are many out there who love to watch as much as me! :D

Thank you Gail for your inspiring program and to all those who were willing to be vulnerable and share their story ...it is very inspiring and empowering. I learned to be accountable from a dear freind and tracking was a big part of making the shift to financial empowerment rather than living a life of 'scare-city'...I have always been one to pay before due dates and pay in full when I use my credit card ...but, I have even given them up having watched the show ...now when I use cash, people at the register are actually surprised! They say, 'oh you are paying with cash?' ...it is fun! Now using cash, it is like a 'game' and there seems to be more left over!
...thank you Gail for making such a great contribution to the planet ...each of us has a gift to share, and you are doing it 'BIG TIME'

Gail, you have some great advice, and wonder if you could work with my daughter. I feel I've failed in teaching my kids to save. She's not compulsive or anything, but feel she's just going to mound too much debt as I see now becoming a problem.

How do we apply for your show?

In addition to all the great help Gail has been to us (through watching the show),we are able to past on tips to our 6 children. We do not want to see them deep in debt and struggling to make ends meet. They are very aware now of how easy it is to rack up debt,and of how it is better to make do with what they have,and budget for the future.
Keep on with the GREAT Job you are doing-educating viewers, and making a difference!!

Thanks Gail, we are now on track to be debt free in 13 months! We first tried the jars, although the concept works great for us, we had to modify it. We keep everything in a lockable file box, including a small check file that holds all of our variable cash. My husband and I each keep a key so we can access it. The problem with the jars was that our teenagers would raid them if they WANTED bus or lunch money! Time to teach them a few things about money now.!

Hi Gail
I watch your show whenever I get the chance. My husband and I have more expenses than income. We went into the house knowing my contract job was ending 4 days after moving into the house. We were getting married a few months later. This is a second marriage. I was diagnosed with Obsesive Compulsive Disorder and was unable to keep a job. We went 5 years working temp jobs before my husband realized I wasn't his ticket out of financial problems. As a result we incured an enormous amount of debt. His mother gave us lots of money to get out once. My husband cashed in a RRSP the second time and now we are at the same spot again. I have since the fall been awarded a Canada Pension Disability which is a great help and I work a few hours a week. My husband refuses to talk about the mess we are in and admits we need more income. He doesn't have a high paying job but he refuses to get another or another part-time job. How do I get him to realize we are sinking for the third time. I can manage my credit card with my money but he has nothing. There is absolutly no communication about the finances or his kids who he still pays child support for one and is 22 years old and his 25 year old who is going from Toronto to London (living at his moms) and China. Neither of his sons are working. I think my husband is giving his eldest son money because he has no job. I want out of the marriage but I don't have enough income to live on my own. My dauther is married and independent and my son is in college and on his own. I found your 12 steps very helpful and I am in the process of putting them into practice.
thks for listening.

I watch your show but my husband i have very little income coming in because of outside debt like loans and need reliable transportation catching cabs is costing were trying to get another car so my work hrs will go back to normal& my husband is on a fixed income that pays the mortgage we had to borrow money from my mother in law just for utilities so what then besides the overdrafts inmy account & the bank takes my check when deposits

Hi Gail, I love your show, however when watching the show, the most obvious thing is that the couples or for that matter many people have no clue towards the amount of money that is going out the door (ignorance is bliss) After reading the previous blogs, the most occurring remark is that I'm in debt and don't know where to begin... which I find funny, considering the first thing you do is a) go through the place and determine where the money is going and b) you break it down for them from bank, credit card records, etc.. Its very enlightening.
I partially agree with the cash method, but its not the only cure. The whole goal is to get out of debt and start to get MONEY to work for you, rather then the other way around.

Love your show. My husband and I separated recently and I now realize how much the finances had to do with bringing us down. I am now a single mom and would love for you to do a show on how to deal with one income.

Gail, my husband and I love your show. We used to have three different bank accounts at different banks. Since, your show we eliminated two bank accounts and now have a joint account. It's so much easier to manage. All our chequing, saving and mortgage is at one bank. We tried the jar system and it worked for a while, but we find that its easier if we just take out $250 per week from the bank and use that for our variable expenses. Everything else is automatically withdrawn from our chequing account. Or I make sure I pay the bill online before its due. We're on our path to paying off our debts. I'm happy to say that I'm less stress and LOVE your show and your personality. Keep up the great work!

hi i need your help im in dedt im about 8500.00 and i need to get out of that. please help me out.

Hi Gail,
I love your show. and I watch it whenever I get time My problem is I concentrate more paying mortage then my debts. I have 55,000 dollars debts and dont know how to get out from this hole.
Need some advice please
thanks
lucy.

my friends are sinking deeper and deeper into debt - they have money to party with the neighbours, buy all the booze,but have yet to be able to pay the rent on time - the wife is stressed out - the husband is keeping all financials to himself - won't let her know if what is happening financially - she sufferes from fibra myalgia - can only work part time - He is a plumber who recently opening his own business - said to make $120,000 but still unable to pay rent on time - they desparately need help - he is not living in the realy world - please please help them -

Love your show. I negotiated a .50 on $1.00 settlement of over $100k of my husband's debt when he got ill. (former corporate banker.) I am now in a successful private practice. Question: how do I get my personal and professional finances in order once I use the initial setup. How and should I use the jars for budgetting? I think it may educate my kids and the family, but don't know where to start. Thanks.

I feel the same way as Steph. I don't know what to do with extra money or how to best invest it now that were in the black. How much should go to savings, RRSP's, Mortgage etc.

It would be so useful to have this kind of show.

5 years ago my wife and I weren't yet married and had $40k debt between the 2 of us....

we didn't have your show back then, but when we decided to make things work, we basically followed your plans. we made sure that money spent was money already earned, we communicated about the spending, and we made sure to pay down our debts (20% of earnings)...and it worked.

No more debts, even bought a new vehicle and paid it off fully.. In fact, we have managed to reduce a 20 year mortgage down to 9 in a matter of 3.5 years.. and have substantial savings now.. all thanks to financial advice that you are now promoting. So, for all you out there, follow her steps, they work!

All her previous episodes are on slice.ca since she is done filming this series. There were a couple single parents featured. And like a previous poster said, her website has the info (and then some) for figuring out the jars.

www.gailvazoxlade.com

I just love this show and wish i could be on it and get some real help! I was disabled 8 yrs ago and we just seem to have gone down the toilet since. Find it so hard to sort out when I have a brain injuey. Have tried the jars, but just can not sort out the figures, seemsto confusing to me! Help1111

i am drowning in debt my husband has no idea i am 59years old and i want to retire in about 4 yrs can u help desperate really i would like to hook up with you so you can help pls rsvp as soon as possible thanks in advance annett3e

I am 22 years old, love the show and am happy that I saw this information now rather than 30 years down the road. Thanks for teaching Canada what no one taught us in high school!

Cheers

Gail, only if you read these comments. I ironically won some money on the Lottery and bought your book with the winnings! I had been wanting to buy your book for awhile now and didn't have the money. I decided to try my luck and splurged the 3 dollars for a ticket. I think it was Karma. I bought the book and read it cover to cover. I also watch your show as often as I can. I'm very glad you decided to host the show and you've brightened so many people's debt tunnels.
Thanks for doing what you do!

Hello,
Currently myslef and my fiance are living wiht parents I am pregnant and due August 8th woohoo!! We chose to stay with parents to help save for a house. As a first time home buyer how much extra money should we save aside for the big move once we are there for extra hidden fees. We just want to start of in black and right to be a sucessful family. Any tips? Thank you

Dear Gail,

Both my wife and I live in Montreal, QC and have declared bankruptcy once already and we are already back in debt again. Due to our health problems our financial problems have surmounted beyond our means. Many times we are at a loss to figure out how to survive we are on social assistance from the gouvernment and we have already exhausted our retirement packages from our employers as we needed those funds to survive at the time and help our family to survive.

My wife is unable to work due to certain disabilities and I have an injury which has limited my potential for work and I am also in the process of recovery from depression as well. Is there anything you may be able to suggest in order to aid us to be able to help us get us back on our feet again.

Thanking you most kindly,

Gary H.
Montreal, QC

I love Gail's show. Here in the states, she is on several times a day. She gives people the tough love that they need to wake them up from complacency and denial. Whether its people from Canada, the States or abroad, debt affects all of us that haven't learned the skills to live within or below our means. I love her jar system. I love anything visual which helps me to keep on track. Thanks Gail.

I had to declare bankruptcy myself. That was the last thing i wanted to do after building my credit score. What done is done and i'm starting from scratch. This time, i'll actually use more of the advice that financial experts talk about especially those that advocate for living a life without "any" debt. It was easy to cut up the credit cards and i'm ignoring any offers for any new ones until i can get my financial plan in place. Then i'll open one up for emergency use only and rebuild my credit some other way. Thanks Gail for your tough love. You've helped me to open my eyes and gave me hope.

Hi Gail, love your show, I'd love to see a show on single parents as well. I am a single dad, living alone, I have my daughter about half the month, own my own condo and of course, paying all my own bills. I have a good government job, however, it is still pay cheque to pay cheque every month. Thank god for overdraft!

yes i what to get out of debt that my exhubson give to me with we live to geting and he put thing in my name so my crite is so bad i what to get out of it i did not know what i can do. i see your show to night that how it tell me to talk to u see if u can help me
think u for ur
time
shanan beard

Comment Moderated: Due To Personal Information

Gail, most of the shows I watch people are complaining about 30,000-60,000 dollars in debt. I really need you to come to BC. I am 110,000.00 in debt. My husband is on disability for MS and I barely make enough to cover life. I need you to come and help us get started. I have a student loan of 80,000 and Gordon Campbell has not given my degree a raise in 8 - 12 years. We have the Hst coming and the inflation from them is incredible. Can you visit us in BC. Pleeeeease.

NOTE: to apply to be on a Slice show please see our Casting Call section here: http://www.slice.ca/About/CastingCall.aspx

I have been mortgage free since 1999 and to be honest, when we dont have the money, well we just dont. So the furniture i want will just have to wait.
However now with a new toddler about, we really had to adjust to one income and live that way since 2009. We saw that child care vs car/gas/parking/insurance on an extra car/salary after taxes was not breaking even...ergo down to one salary. We have been doing it. Its really hard, the only difference is that we dont say no to hand me downs or used for our child and what new things we do buy him, is on sale and within our means. When there is no extra money, well then , we just say NO to ourselves. I wish i had the homes that my friends have, but with the reality of the economy, life being much harder, i can live in my bungalow and make it pretty for me. Want a free facelift at home, take everything out of a room and reposition the furniture and go outside and fill a vase with some greenery. Its free and it keeps your senses and mind moving. I just finished watching a grandparent couple to which i was appauled. I cannot believe how hypocrital right to the end and after they received their 2000 dollars...(personally not deserved)...the lady said (sheila), put it on the new credit card....I FLIPPED!!!
My mom is recently widowed and constantly watching all her money and where it goes. That episode needs a revisit to see where they end up.
I would love to see that one.
GREAT JOB to all at "Till Debt do us part" and to GAIL!!!! to all who need her help, dowload her pdf actual money test and fill it out for yourself, its an eye opener. Keep saving....thats the trick...b/c LIFE JUST THROWS WICKED PUNCHES!!!!!

Yes we definately need Gail in BC. I agree. I have a total blended family and debt has been brought from both sides.
Of course like others its a cheque to cheque living with 4 kids. We're renting and "Hoping" to have a house soon. It saddens me because 2 of our kids are in their early teens and will be moving out by the time we have enough money to save for a home.
I see there is no casting calls for the show. I was upset to see that. Because I'd love for my family to apply for the show. If anyone else knows of some other show that does the same thing please let me know.
I doubt Gail reads these posts so Im reaching out to the viewers of this show. Thanks in advance for any input
Jen

I am sick of our debt, we've had 3 real rough years due to death, health and no work so we lived on our credit cards....wow at this point is there a light? I have watched your shows and it has helped in many ways but the credit card debt is so overwhelming I don't see us getting anywhere... but I am going to keep trying and no matter what get my husband to realize....quit using the plastic!

Jen3, I am in the same position as you, only we co-singed loans for 2 of our kids and they arenot making payments, we are having such a hard time coming up with them and using our Credit cards to pay the loans only digs us deaperl. Our kids don't even have the decency to call us or help us out, they refuse to answer phone calls, e-mails or pay thier debts...so sad to have done this to us after all we were only trying to help them out. The one kid is a con arttist. He has ruined our lives to the point of us losing our house. jen if you see this I would like to correspond with you...I need to know someone else with the same problem that I can correspond with.

I have started reading Gail's book and It truly is an eye opener. I wish that Gail would do an espiode on someone with just one income with a mortgage and personal debt. I would love to be on her show. If she ever decides to do a show like that.

Thanks for the info Gail it really helps!

I recently found out about Debtors Anonymous. Yes, it is a 12-step program, however you can check it online. You may find that you are not alone if you are feeling your finances are out of control. And, maybe there are underlying causes. What do you have to lose? Good luck everyone! I love the show too!

Hey, this is really good advice.
My parents are in the hole about $60,000 ish on my mom's name and $15,000 on my dad's. That's not good. So it's given me inspiration to start learning about finances NOW before I shoot in the dark when I move out for college and stuff like that. I'm training to be a junior accountant if that isn't enough! 17 years old, and anticipating how to deal with financing...who knows, maybe I'LL be the one taking the torch after YOU Gail. :)

I'll probably change my parents ways along the way too. That would be great. :)

I've seen about ten shows and they seem OK, but none of them shows our situation. We are not crazy spenders, and we don't have big TV's or expensive things at home. We are just immigrants, I spent four years without a job and we had to buy all over again, as when you're an immigrant, you come with nothing...We made a bad choice buying a townhouse that is probably too expensive, and I have to acknowledge that at the beginning we weren't that careful when going shopping. Now we both have a good income, we have no unnecessary expenses (meaning we have nowhere to cut from), but we pay about $1800/month only in credit cards and lines of credit. It is crazy and is wearing us out! We don't go out, we don't buy clothes, we can't go on vacation...we can't save any money...

I need help controlling my heavy spending

Hi Gail, I really love your show but what about single people who are responsible but due to recession, pay cuts, shortened hours have financial issues. Up until 2 years ago I had paid off all my cards and was debt free. The the above mentioned, plus had to have surgery. Now I am back in debt. I almost living the same situation as Sil3. It is hard to cut when there is no where to cut from

We've lived 10mths scraping by, using our credit to survive. Now my husband has a stable income and I'm working halftime to contribute as well while at home with our little one. Our income now more than covers our budget, which has been stripped down to bare necessities this past year. I wondered if you had any recommendations about how to tackle debt - should you go at it aggressively with a large percentage of our income? Should we focus on saving (despite the fact that we're paying so much interest monthly) so that we don't run into this situation again? I'm just confused. If we have $500 'extra' - over and above our regular debt repayment - what should we do with it?

I just love this show and would love to meet Gayle. I am consumer debt free. I have worked as a debt collector for many years and have been saying the same things Gayle says to people on the show. Why so many peole want STUFF they can't pay for I will never understand. I have amused myself out of the mall, by baking, cooking, walking and swimming in local rec centres, my life may not seem exciting to others, but no debt collectors call this house!

Hi Gail
Long time fan of your show,
Im 25 year olds, living at home with my parents.. working a minimum wage job ($10.25).. I have a credit card balance of near $5,000,plus Cell phone bills.

How Can I get out of debt while still trying to live an normal everyday life.

I just finished watching your show for the first time. I was very interested in what you had to say. My husband and I made good money. He became injured and hasn't worked since 1996. He does get disability but that isn't enough combined with my income to make payments on everything we owe. Four credit cards have placed us for collection. We can't file bankruptcy because his mothers home was put in his name when his father died. My car was given to me when my mother passed away so we have one car payment. We have tried to sell a piece of real estate with no luck. Can you help us? My husband doesn't want to know anything about our finances or money so it's all on me and I'm taking antidepresants. HELP. Thank you.

I am trying to figure out the budget but then I need to stick to it. I am in a commonlaw for 5 years we have two kids together. he has a daughter and I also have two other kids. all in all there is 5 kids. I also have a sick son and bc of this i was only able to teach part time for 4 years. I am back to full time for a year and then matt leave which really isnt 55% of your pay. I feel like I am over my head in debt and I have never been in debt like this. when I was a single mom I always used my tax return to pay off more of my student loan and i did pay it off fast. now I am 38 grand in debt. some of that is for renos we were forced to do. some of that is bc of my sons medical. and a lot is bc I cant seem to stop buying for my kids. Specially the older two bc their dad doesnt want anything to do with them. I have know I idea how much he is in debt. ( big part of the problem) we both pay half of the monthy fees. but I don't know how to work out the budget. and I don't really want to have a shared bank ( bc of past) I would over the budget many times and there always seems to be a lot left but really it doesnt seem to work out that way.

I absolutely Love this show! I am 21 and just purchased a new home with my boyfriend. This show got us to sit down now and work out a budget for the two of us so we do not end up thousands of dollars in debt. Thanks Gail!

When I was trying to pay my debt back I was afraid to cut up my cards, so what I did was freese them, literally! I put them in a big pot of water and froze them, one by one in layers of ice. It would only take a few hours to unthaw if I needed one, but that was usually enough to curb the urge to spend. I paid off nearly $8000 in debt on a minimum wage job in less that 3 years. Hard work but I did it, now I teach people how to successfully manage their credit and debt for a major financial institution! :)

I love the show watch it all the time but I'm so darn scared to use the Jar scared ill get robbed :P My question is How to we decide what amount to put in each jars?!?!?!?!? I just bought your book so I'll be reading threw the next few days!!!

I would love to get your help, not neccessaily for tv.We are not big spenders at all, but can't seem to get rid of our ever gowing debt. We need someone to come in and set it in stone, write it down, tell us exactly what to do. PLEASE HELP!!! Christine, Belle Ewart, ONtario

We are almost paid off our mortgage in a year and would like to pay off other bills, my question is should I consolidate my bills with the bank and leave our mortgage seperately or all together?

Gail,
I have recently started watchung your show and realize my life needs to change. I am trying hard to put what I have seen on your show towards my life. I started school this year and want to become a successful mature adult and parent. I feel as though I am drowning in debt and it is 100% my spending habits... Thank you for being a positive force in my life
xoxox
Serena

I just don't know how to do a budget..Just can't get it right.

GAIL, IAM A SINGLE MOTHER OF TWO TEENAGERS AND I'M UP TO MY NECK IN DEBT FROM A PREVOIUS DIVORCE MY HUSBAND AND I SHARE 1/2OF OUR OUTSTANDING DEBT BUT I CAN'T SEEM TO GET HEAD OF IT I WAS WONDERING IF U COULD MAKE SUGGESTIONS ON OUT SIDE CREDIT COUNSELING AGENCIES THAT CAN HELP LEGITMENT COMPANIES

Hi Gail,
My sister suggested contacting you...I have recently been down-sized at work, leaving me without income as a teacher (that's all I know!) and am DESPERATE and TERRIFIED of losing my home ( my only source of retirement income). i am single, have no family who are in a position to help, have 2 renters (one who just gave his notice) have MAXED OUT credit cards, have only just found a small part-time job in a majorly depressed job market, and am now behind on my mortgage!! HELP!! I am stressed, sleepless and struggling to keep going every day. I've tried to get my debt consolidated, but I need help since I'm behind on my pymts ...I have no one to co-sign for the total amt but maybe for a smaller loan... PLEASE PLEASE HELP!! I need some concrete suggestions and help, like yesterday! I know how desperate this sounds, and I think maybe it is, but I really need someone who can help me with all this burden...I know I can make it out the other side, if i just have someone who can help me navigate and find a plan! I don't know if you read these, but I hope you can offer some suggestions or guidance.I know you will know what to do... I WANT TO BE DEBT-FREE AND GET MY LIFE BACK!!! I want to be a success story, not a statistic!!

Our mortagage when we bought the house was 62500.00 it is again 62500.00 as my husband continues to get and run up credit cards. This last time I refused to allow him to put the 12500 on the mortagage and got him to the bank who agreed to give him a line of credit as well as the the cards.(I talked him out of the cards this time but he is used to spending that extra 1500 to 2000 a month and will take another card). We also borrowed 15000 to fix the house which he spent on god knows what (not the house). I have a disability and was unable to check the money in the account which I trusted was going to be there till we started the work. The bank still keeps calling and offering credit cards. I told them not to call but they continue even after I told them he can't pay them. What can I do to stop him building more debt and stop the bank from calling?

me and my boyfriend are a young couple both badly in debit and we want to get marry with in a year or so. but its not working to well. we both want to be debit free and start our life together but we been trying to watch what were spending but it is so hard to watch what we are doing. the bank calling my about my visa and i have student loans starting to come out. can you please help us in some way and give us ideas how to get out

Are you still doing the Til Debt Do Us Part show? I have a perfect candidate for you! My sister, a very sweet, beautiful, and smart 33 year old single woman is maxing out her credit cards and line of credit. She has recently turned to the loan sharks. OMG. She is in desperate need for an intervention from Gail! I have been telling her I will nominate her, once she gives me the ok. Tonight, several minutes ago, actually, in a desperate state, she said I could write in. Is Gail still doing house calls?

Hi Love the show but how do you do the jars. I need help big time a newlywed with 2 kids under the age of 2 I feel so overwhelmed big time when it comes to money. We are always paycheque to paycheque kind of life and it isnt fun I really would love to hear more about the jars cuz I am more visual and would be able see where the money is going and such Thanks Gail and slice channel for the show again.

If you can't pay cut up the cards and don't use them or YOU will never get out of the never ending trap called credit. Just do it, you will feell much better.

my spouse and i dont have alot of debt but i want to deal with it before it gets any worse. so how do you properly calculate what to cut and where. we are both establishing credit to buy a house and get married and still are figuring out how to budget more effectively can u help

My husband and I are in a huge rut! I'm guessing we have about 50 thousand in debt. We owe everyone money...even our parents! We're having problems coming up with a plan to pay off this debt because we have to move soon!!! Our house is way too small (825 sq. feet) and with 4 people and 2 dogs its just nor working!! I could really use some advice about where to begin. It always seems that when I think things are looking up...I get knocked right back on my butt! I hope you'll be able to help!

I see all these people begging for help and all I can say is the tools are right in front of you. If you want to know how much to put in the jars try this - Friday evening take $500 out of the bank and try and live off it for a full week, groceries, transportaion etc all from the $500. Keep a record of what went where with receipts. The next Friday look at the records and make your jars accordingly ($500 is just a round number for the example.)
Good luck!

My situation is one that I would not wish upon anyone...

I'm single and living alone - working nights doesn't work well while living with people - therefore my car is a necessity (buses don't run on holidays and I live too far to walk to work). I also have a massive student loan but with my fixed expenses I can hardly afford groceries and gas.

My big problem is how the National Student Loan Centre is unreasonably asking me to pay a chunk of money that leaves me with little money and living an unhealthy life (not eating well, not exercising, working a part-time job to make ends meet). Is there a way that we can get them to assess people's financial needs before setting a payment amount??

I love the show and am learning lots of great advice. I am not a single parent but do agree I'd rather see more episodes that include single parents rather than the current new Princess show. Instead of focusing on couples or single parents we are expected to watch a bunch of spoiled brats who don't care about getting out of debt. They are rewarded by having one on one time with Gail to help them and we get punished by not getting any new episodes of Til Debt Do Us Part since Gail will have to focus on the new show. Please consider doing more new episodes of Til Debt Do... Also, Gail please consider doing some speaking engagements across Canada!!!

Gail, I love Til Debt Do Us Part and I need to thank you. Based solely on watching your show, my husband and I have eliminated thousands of dollars of debt, saved ourselves tons of interest and now only have about $2600 on ONE credit card at an interest rate of 0.99%!!! (Anyone with an MBNA card - check it out, they do have a deal on balance transfers that I am saving so much money because of and the offer's on til April.)We live on the jars, we're no longer pissing away money and we've built up a small cushion between us and "the hole". All because of you and your show. Holy S*** the money we were spending on groceries alone! We never bothered to look at our statements. We do now, although they are vastly different anyways becaue we live on cash the majority of the time. We even bundled our phone bill differently and shut our sat. radio off to save a bit more. We check our on-line banking site so that we know where the money has gone and what bills are paid. We're living a totally different life. Thank you so much. You have no idea what you've done for us. Now, if we could just pay off our 2 vehicles and my student loan...In time...

How do you teach your teenagers the value of a dollar and GET WORKING!

I love your show, and I think you are a very caring and generous person!

i sued to watch our series on tv, and i wonderd how helpful this is i hope i got similar chances for some one got experinces in handling money to advice me since i'm still young, luckly i got a thought to put the host name in google which leads me to Amazon website with 4 or more books done by her, i can't wait to buy it all because from the random customer reviews i saw more than 100's of cusomers have positive reaction to what have changed in their life's and helping the kids. i'm not trying to support her blindly but that's what i saw and i'll post also after reading her books. i came from a totally diffrent culture and language and i'm very glad that there's still people advice people. there's only of of her book that cost 200$ too expensive i don't know why but also there's used one's costs less than 10$. o yes i'm on the way to be a better person it's not that i must be on the show to get help, the help is always out for us but we have to look for it but she make much easier to reach it. thank's gail.

Wow!!! Lots of pain in most of these messages ...lof of it is self inflicted, at 61.. been there done that!! Now I'm paying the price...no home of my own,very little savings, living in a miserable situation...pretty much my own doing. HOWEVER with Gail's on-line help and watching her show I have new hope new tools...budgeting, using ënvelopes rather then jars easier to hide, froze the c.card and rewarding myself with freedom rather then STUFF. I've paid off my credit card, next is my brother, then my car...by the time I retire I'll be debt free and with my work & gov't pensions it won't be a fancy life but I'll be OK. My message is to all of you that are making excuses STOP!! Do the work, get out of debt and stop supporting the big banks and Credit card company's. AND Don't borrow from family. My spin is we are masters of our own destination...Thank you Gail, you truly are a saviour ...you need to run for P.M. Sue Q.

I am a single mum with an income of about $50000.00, after my rent and hydro, I seam to be going deeper in debit. I have cut my credit cards and even let my children, who are 17 and 18, help build the budget. I just see no end, I'm not sure how people can do this?

I love this program. I am 51 and so wish there was a program in high school when i was there...life would have been different !!! I am looking for the equations used for the jars. I believe it is 25% life, 10%transportation, 10% savings and I cannot figure out the rest If anyone knows this please let me know.

This is to Terri3-
Go to Gail's Interactive Budget Worksheet @ http://www.gailvazoxlade.com/resources/interactive_budget_worksheet.html

This will let you fill in your figures and will give you the % for each jar.
Works very nicely and you can see how you need to allocate your funds,
Good Luck!

Hello Gail,
I got myself into some financial trouble and need help to get myself out of debt. Is there anyway to get info on the jars, how to divide the money accordingly and the budget binder and how they work. If so please send me the info. Thank you and keep up the great work. All the best.

Hi gail, I have no accumulated debt yet, I only have one credit card and I pay it in full every month, I save 10% in my paycheck to my savings and tax free account, lately I felt like I'm saving more than spending for myself, how will I know if I'm spending and saving just right other than thinking "need vs. want" as from what's happening to me, I always think it's just a want so I dont end up buying some stuff for me, other than basic stuff like food of course, how will I know if I'm actually on the edge of being a saving money control freak?

Well... I think I should stop watching people that do it and begin to do it for myself... I SAY IT NOW ! I'M A SPENDAHOLIC ! I'll give it a try and go back to basic. The jars. But I think that as long as you do not face it, you cannot begin spend the right way. From today, I will not use my cards but keep them for emergencies and I'll give myself a goal not to spend on any clothing for the next 3 months...

my question is this: when do you know it's time to bite the proverbial bullet and decide to claim bankruptcy? i have been doing what i can to pay off my debt, slowly but surely, it will get there but, not fast enough for the debt collectors. i was just threatened recently by a debt collector that they were going to freeze all of my accounts until I paid them off in full. i told them that if they freeze my accounts, i won't be able to get any money to them. so, knowing that my credit is so bad that i am unable to get a loan. knowing that i cannot ask my friends and family for a loan of money (that's preposterous), do i look into claiming bankruptcy or do i keep trucking along with payments to these debt collectors? thank you. LanaRisk

save your money.

I wanna buy my first home but i have to try and get my credit score up and debit down while also saving for down payment with in 6-8 months any tips.... please HELP :S

After 2, bankruptcies, 2 consumer proposals, and being totally out of debt FOUR times, here I am again, $58,000 in Consumer Debt, and a $200,000 mortgage... I'm so sick of being a slave to the bank, that we are selling the house, eliminating the debt with the equity, and renting before the housing market collapses in Canada just like the US, and we will really be up POO's creek without a paddle!.... After four lumps to the head, I finally realize there is no such thing as "good" credit. It'll all nuts, and no longer going to be a sucker to the bank. I don't care if I can't rent a movie, a hotel, or anything else without a credit card - It's over! I'm DIVORCING credit! Gail, you need to sell your labels for the jars - with an address to mail a money order for payment!

In ORDER to get a HIGH SCHOOL GRADUATION DIPLOMA, it needs to be MANDATORY for each student to watch a whole semester of "TIL DEBT DO US PART", Prove that they CAN do a budget, Learn the TRUE costs of CREDIT, and why Marriages break up (It's 99% MONEY)....Before getting that little piece of paper and moving on! I wish they had a GAIL program 30 years ago before I finished school. Life would have been much more enjoyable! Also before getting married, the Marriage Licence office MUST pull credit bureaus on the BRIDE and the GROOM, and need to sign off that you acknowledge and accept the debt of each other BEFORE issuing that certificate... It would save a lot of heartache!

GAIL!!! i desperately need help to settle my debts!! is there anything you can suggest or can you contact me yo help me!!!! plz!!!

There are so many single parents out here an episode for single parents would be wonderful!!!!

Please put out a casting call for episodes on single parents and debt...

I agree single moms who are also making creative choices just to get by. we should be rewarded with the 5000.00 because alot of us are already doing what you are advising and still are barely getting by. Your program gail has saved my butt and taught me to be conscience of my spending yeah to the gail movement

Does anyone answer any of the questions ask here? What is the point if one does not get an answer!Thank you. Confused.

gee, what a bunch of whiners...
how many of you have a flat screen tv?

I love your show and would like to work out a budget, but I dont know how much to figure into the jars each week. Can you tell me how to figure it

I love your show, just watching it has made me change my life style and I am working very hard to pay off my credit cards can't wait till I have freedom! Thank-you so much Gail!

I understand what Gail is saying about credit cards being bad. But there are some advantages to using the credit card.
For example, if you use them for a large purchase, you can collect points.
If you were going to make that purchase anyway, then what's the point of using cash?
As long as you know you will have the money to pay the credit card bills once they come in, then it seems better to use credit cards in order to collect points.

Just wondering if Gail could do a show more detailed, like how to budget for groceries.
It's easy to say spend only $100/ week on groceries, but telling us how to do this is more of a challenge.

Could show become more detailed, and provide more specific guidelines?

I would like to see a show on single parents too. I love the show and try to follow her rules but it sure is hard.
Looking forward to new shows.

Give some advice on if u are not working how can u manage something that u don't have how can a person do that.

Help!!! I am drowning. I recently became disable and I'm in debt to head. I don't know where to start get out of debts. Everyone is calling. I'm living off of $1900 a month. Don't have medical insurance and one kid in college, the other, in high school. I do not know what to do. I am ready to file for bankruptcy. Can please help me?

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I was ac redit card junkie, and it was racked all the time. for those of you like me, i took her advice, went to my bank, and started asking questions. I know that CIBC has a special consolidation loan program that applies to CIBC debt, so if you have a line of credit or credit card at CIBC they will roll it into one, usually with some conditions( we had to drop the LOC and lower the limit on the cards). I think other banks have something similar. this will give you much lower payments ( we save 1500$/month in payments and intrest). We also started contributing to RRSP's with our freed cashflow. Depending on your tax bracket you will get back 15-33% of your contributions. So if you know how much u pay in taxes ( say 25%), you get 25$ for every 100 you contribute. So in a tax year thats an extra 300 that you can reinvest, put towards paying your debt, or save for a special purchase or reward for your hard work! Gails advice has been super helpful in knowing whree to start. Hope this helps some of you who were like us!

I just recently paid off my $10,000 line of credit, which in reality I used to buy things i didn't even need. It took 4 years on a minimum wage job to finally get it paid off. I had to give up all my wants, but now that I am 100% debt free, it feels amazing to know that my next pay cheque is all mine, and yet still have the internal training not to spend it on things I don't need! It's totally possible to get out of debt, you just have to want it bad enough to not buy that coffee or shirt you don't need! Good Luck to everyone struggling to get your debt gone!

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I'm one step away for the abyss. I'm going to do the challenge and hopefully save myself.

'I agree with the single parents\x3cbr \x2f\x3eIt is hard to do it all on one income\x3cbr \x2f\x3eIt is also hard to work long hours. Who is going to care for the kids\x3f\x3f\x3f\x3cbr \x2f\x3eYour show only shows these rich kids who have parents who can throw them some cash here and there \x3cbr \x2f\x3eI want to see the parents on one income raising children in Toronto\x3cbr \x2f\x3eIt is not easy\x3cbr \x2f\x3eI try as you said to monitor every penny I spend but incidentals do come up\x3cbr \x2f\x3eand the income remains stagnant'

'I am totally debt free, no mortgage on my apartment, paid cash for my car and save approximately 80\x25 of my salary every month. Why is it that my family continually need to borrow money from me.'

'Okay everytime that I am starting to get out of debt I am drawn back in. We had \x245000 on one credit card paid it off and guess what we are almost right back where we started a year ago with the credit card. WIth the amount that I am paying on cars, mortgage and line of credit I really don\x27t have any money and yet my wife does not get this I don\x27t think. This drives me crazy and quite honestly I just don\x27t understand where her head is in all of this.'

'I love gail i wish i could have her personal help without being on the show. I have no clue where to start.'

'Starting my testimony is hard, But i must start to say to all that Mr. Primo Samarkand the personal assistant in wema loan firm is a honest man and also the Woman herself Mrs. Wema Sundas which is also bearing somers as her middle name which is the sole owner of the loan firm were Mr. Primo is her personal assistant is the best as she is really a woman that have come online with her loan offer to wipe always the tears of everybody. Before i push forward to what make me creat this time out of my precious and busy time to tell the whole world about this testimony that happened to me in this loan firm or on how i got my loan from this loan firm, I will want you all to know that i am a citizen of USA, And my names are Luz .E. Morales. As this advert is to save millions of people in this world we are leaving on today. I am not referring to those that need loan urgently now or that are in financial debts but to all existing humans that are leaving on this earth, Because there is nobody that is above loan as loan is meant for the rich and the poor. Because i am opportuned to have a very good Job over here is USA, With that Job i was leaving comfortably with me not been able to raise much funds from my salary to build a good house, get a good car and to invest in-case i decide to stop government work. The reason for that was because i can just start saving much money as if i try to do it, It will take me years to have large funds to do or to execute the plans that i have for myself and my family. But with a loan i can get any dream archived by asking for a large sum from a dynamic, reP\x2a\x2a\x2able and a registered loan company like mrs wema loan firm were i asked for a loan amount of \x24150,000.00 to get my dream car and to invest in my business, And in this loan firm there list duration is 25 years which i went for and the terms for the loan was been calculated for me which was also suitable for a kind of person like me that earn just \x241200 a month. I am so happy because i have really been on the internet for the past 3 years now trying to seek loan from a registered loan firm that will not rip me off my money just like two did to me and my wife last year which really made us own more debt after loosing the sum of \x2414,500.00 to scam loan firms on the internet, Since the local bank over here has denied us of we getting such a huge amount of loan from them, Which also made me vowed never to apply for loans online again, But this year as i was going through a website i meant a post by this loan firm from Nigeria \x7b I know all that has been scammed before now like me know this country to be full of scammers that can never grant loans but always after your money by telling lies and what do not exist on loan transactions, But please mind you all that is reading through this my testimony and advert to this loan firm that they are reP\x2a\x2a\x2able, When Mrs Wema Somers called me on the phone by herself that she is based and located in Nigeria, I wanted to stop the transaction as the two scammers that scammed me were from Nigeria. But my lovely wife gave this woman her ears to tell her things that she should know that the fact that there are a lot of scammers in this country do not make them one, That she is the C.E.O of this loan firm that she should please just do what is been requested of my wife that in God name she assure us that we will get our loan amount in question after what is requested of us has been done. I also said to my wife NO \x21\x21 That this might be another scam,But my lovely wife said that something inside her is telling her that this is not a scam that we should give this woman a trial. And our dream loan was gotten from Mrs Wema Loan firm and i personally was surprised that there is a loan firm like Wema loans in such a corrupt country that is so full of scams \x7d And i and my wife sent our application to them and be patient to hear from them and also patient all through the loan process. Sincerely as i am telling this to world now, I am still very much surprise that i got a loan online and from such a country with bad names in the internet. The main more reason why i tired all i could to share this to the world is to try and make sure that people in need do not apply for loans from scammers online but from wema loans alone, As they are the only person that has been able to prove to me and to so many other individuals around the world that they are God fearing,ReP\x2a\x2a\x2able,Dynamic and truthful to grant loans to the poor and to the rich that need more funds to establish. If you that is looking for loan is sending email to the following email address \x3a mrswemaloans\x40rocketmail.com . to get loan, You are not making any mistake at all as you are on the right way.'

'This is some really helpful information\x21 But what can I do to avoid excessive debt when looking for a plumber in an emergency situation\x3f How can I know who to trust and who won\x27t take advantage of me\x3f'

'Make your money for you, build what you need for you and then branch out to the area you live in your local community and then branch out form there\u2026 If I had \x24500,000 that would be enough to buy a business and ensure that that business would not go under. Then make another \x24500,000 to invest back into the area that I am living. \x2f\x24500,000 because you need it\x2f You would need that much for the payroll and to pay your investors until the business starts making monies on its own even if it is a really small business. \x3cbr \x2f\x3eLet\u2019s say you start say a small franchise that only requires you to have \x2480,000 of your own monies to invest. You will probably go under before the customer\u2019s even know where you are if all you put into it is \x2480,000. You need enough money to \u201cCRUSH IT\u201d\u2026\x3cbr \x2f\x3eHere is an example of such a franchise and what it would really take.\x3cbr \x2f\x3e\x3cbr \x2f\x3eThe break down \x3cbr \x2f\x3e\x3cbr \x2f\x3eOpening Package \x28including \x3cbr \x2f\x3eEquipment \x26 Supplies\x29, d\u00e9cor, cabinets, point-\x3cbr \x2f\x3eof-sale system and small wares\x09\x09\x09\x09\x09\x24130,000 \x3cbr \x2f\x3eFranchise Fee\x09\x09\x09\x09\x09\x09\x09\x2425,000 \x3cbr \x2f\x3eDeposit for Utilities\x2fLease\x09\x09\x09\x09\x09 \x246,000 \x3cbr \x2f\x3eLeasehold improvements\x09\x09\x09\x09\x09 \x24115,200 \x3cbr \x2f\x3eArchitectural drawings\x09\x09\x09\x09\x09\x09\x244,500 \x3cbr \x2f\x3eSignage\x09\x09\x09\x09\x09\x09\x09\x09\x2410,000 \x3cbr \x2f\x3eFranchise Premises Rent \u2013 3 months\x09\x09\x09\x09 \x2414,985 \x3cbr \x2f\x3eInventory\x09\x09\x09\x09\x09\x09\x09\x247,000 \x3cbr \x2f\x3ePayroll - 3 employees\x09\x09\x09\x09\x09\x09 \x2499,000 \x3cbr \x2f\x3eInitial Advertising\x09\x09\x09\x09\x09\x09\x2430,000 \x3cbr \x2f\x3eMaterials \x26 Supplies\x09\x09\x09\x09\x09\x09\x242,000 \x3cbr \x2f\x3eTravel \x26 Living Expenses While Training \x28Phase 1-4\x29 \x09\x09\x2412,260 \x3cbr \x2f\x3eEmployee Training\x09\x09\x09\x09\x09\x09\x241,500 \x3cbr \x2f\x3eInsurance-3 months\x09\x09\x09\x09\x09\x09\x241,175 \x3cbr \x2f\x3eBookkeeping\x2fPayroll Services\x09\x09\x09\x09\x09 \x241,600 \x3cbr \x2f\x3eAdditional Funds \x28working capital \x26 living expenses\x29 \x09\x09 \x2420,000 \x3cbr \x2f\x3e\x3cbr \x2f\x3e\x09\x09\x09\x09\x09\x09\x09\x09\x24480,220\x3cbr \x2f\x3e\x3cbr \x2f\x3eAfter the business is up and running I would use it as a source of monthly income for the household \x283,000\x29 maybe. The rest I would save till I had another \x24500,000 to donate to another retired military disabled veteran with a family of four. This will prevent them from needing to take a loan which they will spend the rest of their lives paying back and have nothing for the support of their families. This will help the community grow as each prospective business prospers. The more the community grows the belter the quality of living for everyone in it. The better community that you live in the better for you\x3a Be selfish by giving to others\u2026\x3cbr \x2f\x3eI am going to school at age 46 and a business major at CTC in TX with 25 years of supervisory experience. Still I am out of work and out of monies looking for a job that just isn\u2019t available\x3b it is difficult for people all over and the communities that they live in. It is tough for me to understand that there are people out there that have problems knowing what to do with the \u201ctoo much money\u201d that they have. If you have \x24500,000 to donate or invest e-mail me \u2026 inneedof.monie\x40mail.com \x3cbr \x2f\x3e\x3cbr \x2f\x3eHave a wonderful day. I may consider opening if I had \x28\x24250,000\x29'