Hi Gail,

You are superb! You don't know how much you influenced(and my husband too) my view about money. Because of you and your show, we were able to eliminate all our debt and are now actually saving for a downpayment for our first time!

Thanks a million!

Gail, I love your show and watch it all the time. I would really like to see you do some shows for singletons in debt. It isn't only married people living in the debt cycle and struggling to get out. You could even make sure to include different types of singletons, single moms, divorced parents, single working adults at various stages of there lives.

Just an idea, but i would think it would be amazing to see you run with it.

Pheona

Hi we love your show, and we are trying to save for a house it would be great if you could post more helpful tips on the site and include strategies that you use on the show.

And if you ever decide to film in Ottawa give us a call

Sherry

Hi Gail:

Love your show. LOVE IT. It would be great if you could do a few shows on how new immigrants to Canada are coping with their finances. This would not only give us some great shows, it would also give a lot of people some great advice.

Hi I think your show is great. It's helpful for me but my boyfriend still doesn't understand why I get so frustrated with his spending and his disregard for bills. We recently consolidated credit cards mostly his and we are still arguing. I'm almost ready to throw in the towel because we can't see eye to eye. Don't know how we could ever raise a child together.

You give people bad advice. The way to get wealthy is to invest. The bank is not a good place to invest your money. I work hard for my money and want full control on what and where it is. There is good debt, and bad debt. Having a home with a mortgage is bad debt. It takes money out of your wallet or purse every month, that is bad debt. Anything that makes you money on a monthly or weekly basis is good debt. A mortgage is a asset for a bank, not you. The mortgage makes the bank money every month, and cost you money every month. Your advice is misleading to your clients.

Hi Gail; i think you are amazing! I love to watch your show and believe me I am learning a lot of things that I would wish I had learned before I let myself in the present situation. Now I understand a lot of mistakes I had already did. But I still do not know how to deal with them. I guess I will continue watching your show to learn and practice your advice. Thanks so much for all the valuable information that you bring to people like me. Thanks and may God Bless you!

Hi Gail as you can see we share similar last names. Are you by any chance of Portuguese background? Well I am.
I have learned so much on your show. We had to switch from our local cable company to Dish Network do to our budget cut. I no longer get to watch your show. I sure miss it and I am trying to come up with a solution. Thank you for all you do for us spenders.

Hi Gail I would love to see a chart of how much money people should put in there own money jars according to there income, just like you do own your show.
thanks

Hi Gail,

My wife & I love your show! Have you considered doing a follow-up episode of some of your previous couples??

Just curious..

Hi Gail,

I watch your show religiously and so does my husband. We have been together for over 4 years and married for a little over 1 year now. We consolidated our debts 28 months ago and have a smaller debt repayment plan. Rather than if we were to be paying off all our debts separately. We have had a line of credit since we met that we had paid off in full. However, in the past year we've managed to rack up $6500 of a $7500 LOC. We are desperately trying to pay it down, but can't seem to get a handle on it. I want to start living on CASH, and using your "Handy Dandy Budget Binder" and "Money Jars".

Could you please email me the info on how to get started?
This is where we are at:
Our net monthly income is $4700.00/mth
Rent $935.00/mth
LOAN $830.00/mth
CAR $380.00/mth
Insurance $175.00/mth Apt & Auto
FOOD $450.00/mth
GAS $240.00/mth
Laundry $100.00/mth
Cell Phone $75.00/mth
Cable,Telephone,Internet $200.00/mth
Entertainment,clothing, veterinary cost
$500.00/mth
Line of Credit $500.00/mth
VISA $100.00/mth
Mastercard $100.00/mth
ING Savings account $100.00/mth
_________________________________
TOTAL $4685.00 Left Over$15.00/mth


Thanks a bunch,
Melissa

Mississauga, ON

Hi Gail,
I love your show. I wish I can see the videos on my comP***r here but it is not in America yet.
I would like to get information on your budget binder and how to set up the money jars. This will help out a lot.
Thank you.

The word is computer not comP***r. That is probably why it is not showing correctly. Sorry.

Hi Gail!!! I have to say thank you for the insight into finances!!:) I understand what you say in the shows, but like a few others here... i don't quite know where to start!!! I have jars, and i'm willing to use them!!!:) I'm the one in the relationship that has the spending issue. Seems like each pay we're robbing peter to pay paul so to speak!! We have a modest income for our ages, and we tend to take it for granted and spend spend spend!!! Any help you could offer would be awsome!!! I especially would like to know how to break down our salaries to get the most out of them, and get rid out our mounting debt as fast as possible!!!

Thanks
Kim



PS: If you ever come our way, we could DEFINATELY use your help!!:)

Hello Gail,

Your show has given me other ways to save and cut back on the "other stuff."
I too would like to see you do a show on "singles." As a single parent, I always put myslef last, I give my children (2) all the necessities first. I fear home ownersip because I don't think the banks will take me seriously even with a decent full-time income. Is there any hope for me and other's like me? Please Gail, can you show us some light at the end of the tunnel. I for one would love to be on your show and become more of Spenthrift. Thanks for the great show.

HI Gail,


I love your show ,i never miss an episode .Your show ....is wonderful.you have shown me how to pay off credit card very quickly.
now before i buy any thing i think do i really need this.
Every month i save $250.00 FOR MY DAUGHTERS EDUCATION....... THIS WAS MONEY I WAS JUST WASTING ON EATING OUT& UNNECESSARY CLOTHES. LOOKING FORWARD TO MORE SHOWS...

Hi Gail

Your show is the most useful show on TV today! It has opened my eyes...Ive cleaned up my debt and look down on using credit/debit cards as means of spending...
As a result I am looking forward to paying myself first! I am on the right track now and am starting to put away money for adown payment on a house with my other half...thank you!

hay Gail,
I really injoy watching your show. It teaches me so much. I'm not in bebt and I hope I never will be, but I'm 17 and I'm graduating in 2008 and in B.C you need alot of requirements one of them is called the grad portfolio were you need the prepare a plan for the future and a financial plan to go along with it. Me and my sister plan on moving out together ofter I graduate and thier are going to be alot of new finances we need furniture and ect and lots of new bills. So if you can help me out I will be most greatfull.


yours thankfully, Alexis

Hi Gail,
I love your show & would very much like to use your budget book as a guideline, or is there a site I can access to get a copy? We are now living paycheck to paycheck & with being in our early 50's the fear of retirement is looming. We have no savings & if 1 of us were to suffer an illness, we'd be up the creek & unable to borrow an oar. You have a very warm & caring personality, which is so obvious on your show. Don't stop your shows, so many of us need you, Gratefully, Mary

Dear Gail,

You have the best show on TV.

I took your comment seriously when you said that most people underestimate their expenses and expenditures by $1000/month. I wrote out what we spend and wow, it is a lot. Not all of that is "bad debt". Actually none of it is, although some of it is in the category of "foolish spending".

I have recommeded your show to many, and my favorite episode is the one about the physician. My friends and I are all high income earners. It is hard to believe that we could get into trouble but I think it is probably more common than realized. The pressure to keep up appearances is immense. Your show keeps me grounded.

Thank you, and I am SO looking forward to the new season.

Hi Gail,
My partner and I are 24 years old and haven't made any huge financial blunders; however, we are looking at purchasing a house, going back to school and getting married and starting a family within the next 5 years. We would love to see a show dedicated to young people who are looking at these overwhelming expenses and hearding some of your practical advice on how to stay on top without acC***ulating bad debt.

We have learned so much from the show already, but we have yet to see a scenario that really speaks to us in this exciting phase of our life.

Looking forward to the new season

thanks for helping me one penny at a time -
do you have any dvd episode collections available...learning from others has helped me keep hopeful!
thanks for your positive advice - we need to get all the positives we can in this crazy world! all the best to you!!!

Gale,
I'd love to start using your budget binder and cash jars for my own budget. Is there anyways I can get copies of what the budget binder has in it? I'm a real follow the rules kind of person and so I'd like to have my binder be like what you give the families on the program. Please let me know if there is anywhere I can find printouts of your budget binder information. Love your show!
Tammy

Hi Gail, I have been living with the same man for eight years now in constant debt; pay one off, make another, or keep consolidating.
It's so bad he had to get a part-time job.
We need help. I feel that this is my last chance into this relationship considering I've had my wedding dress for six years now and every time we come close, something happens financially and we can't afford it anymore, just like the money going towards buying a dog.
I am tired of telling my daughter I am broke.
We don't share finances from the same account. I feel he expects me to pay too much that I cannot afford; like keep the cable instead of saving money for my daughters braces.
He seems to think that he can buy lunch everyday at work, and tim horton's coffee everyday even though I have offered to make coffee at home a have lunch for him.
We need help or there is no more relationship.

Gail I love your show.. its awesome what you do for people. I wish that I could get you to come to newfoundland. I look forward to your new episodes to see what else I can learn.

I love your reality therapy approach. I watch your show as much as I can and it hits home the message that I need. The financial facts shed light on my situation. Keep this show going! Alot of people will see the destruction that financial mis-management does and will follow the tools that you suggest for a winning financial formula and a truly happy life.

Hi Gail,
I watch each and every episode. I love your practical and realistic style. I have learned so much about saving from you and your show. I now make my husband watch as well. We increased the amount we put aside monthly in our RRSP's and use the jar system. I've labelled each one and am trying my best to teach the kids about saving and investing.

You have a wonderful program, keep up the great work. I'm a regular.

Lucy

Hi Gail,

Is it possible to hire you privately so the whole world doesn't have to know our 'financial' situation?? Or perhaps you could refer us to someone as great as you?? We live in Southern Ontario.

Thanks
Christina

Hi Gail,

I would like to know if you have any refernces to someone in the same financial feild or yourself for advice?
Whenever you say "this is one of the reasons for divorces" YOU are RIGHT.
My situation is I either go more into debt or have my children without a father. Please help.

Thanks
Terrianne

Hi Gail I was wondering if you can tell me how I can reach you by email. I am in desperate need of help ccreating a budget and sticking to it before it is too late. I never know when to just say no and just throw it on my credit cards that just keep climbing. I should've stopped years ago but haven't

Hi Gail,

I watch your show every week and it is great to have someone like to teach others on how to spend wisely.
I am sending my adult children your budget sheets. If they need more help, can they contact you for advice?
Much appreciated.
P.S. They live in Alberta

Hello Mrs. Vaz Oxlade,
I am a 15 year old boy, living in ontario. i have watched your show since it started. I have learned a lot from your show, and i can say that i am confident to be on my own in future years. So much so i have saved for a car and my education, i have even set 100 dollars a month for retirement. (the sooner the better) i don't know if you read these, and i know you get this a lot but i was wondering if you could give me more details about your jar and budget book system. I want to be a chartered accountant when i am older, and help people get out of dept on the side. so any information would help.

Hi Gail,
I love your show! My fiance and I watch all the time. However we were wondering if you can give us details about your budget binder and the jars (like what percentage in each). I have done a lot of mistakes but I have learned.

Hi,

I am wondering how to set up a budget binder..I have a note book but don't know how to set it up so that it'll make sense.....do I divide it by week or by month? what categories should I have?

Thxs for your help,

Tried over and over to get my son-in law to watch your show- to no avail. My daughter finally left after they declared bankruptcy. She got tired of not having money to put basic groceries in the fridge for her kids.Keep up the great work.

Thank you Gail!

When my fiance and I started dating five years age we went all out getting every possible credit card possible and getting into almost 15,000 dollars in debt with absolutly nothing to show for it. With a little help from her parents and a truck load of help from your show we have managed in the last 2 years to become debt free, take a European vacation (all paid for up front) and we are currently shopping for our first house, and we have money in the bank! I wouldnt say that we are set for life but we are definatly on our way. thanx again and keep the shows coming!!!

Chris and Erin
winnipeg, Manitoba

HELP PLEASE!! Both my boyfriend & I are at our limits no more credit available. At this rate it seems that there is no way we will ever buy a house & take the next steps. We are both trying but, do not have the skills to make a dent in the debit. I love your show & have gotten him to watch as well. This stress is on my mind every second of the day...Please help
Alli

Gail - I LOVE YOUR SHOW!! I Tivo it and watch it religiously. I've got a plan and in 2 months should be debt free after 18K+ in debt. I keep watching the show to keep me motivated and new info always helps.

I would LOVE to see you do a show on young singles... student debt, get married, buy a house, have kids... it's overwhelming to think about.

I love that you don't take crap from anyone!

Cheers, Diane

Hi Gail
In all of the financial books, there is no real guidelines on how much insurance someone should carry(life, disability, critical illness), and types of insurance that someone should carry, nor is it mentioned on your show. I wonder if me and my husband are carrying too much insurance, or if we need some of it all. Is there a certain percentage of income that is recommended to put on insurance to cover for uncertainties in life.

My sister is 58 and single, and could REALLY use this kind of help! We do all we can to help her while still keeping her acountable, but who likes a lecture from a family member, right?! Hearing Gail's 'tips' from family members falls on deaf ears...she needs to hear it from a non-biased source for her to realize she's in serious trouble!

Is there ever going to be a spin-off show for SINGLES with debt and bad spending habits?? I think it's seriously needed!

hi gail ?
my name is juan frome dominican republic iwould like to meet you beacue you sre the best ,
bye god bless you for what you doing to help peple

Hi Gail,
My Wife and I have just bought a home and we would like to start budgeting. I like your idea of the budget binder and the jars. How do we set up the same system for ourselves. We would also like information on how to create and balance a budget. It wold be a great help to us thanks

Hello, Gail from another Gail.

I love the show!
However I was wondering if you have a budget plan for a single person? I'm a single parent on the verge of bankruptcy and hate to have to take that direction. It would be fabulous if you did!
Thanks a bunch, Gail.

I watch your show all the time, and I am trying to set up your system, so I can begin on Jan 1/08. How do I figure it out? The pie showing the percentages, are they for all your expenses, even the fixed amounts?Is there a book out that explains this to me. Please help, I'm a grandmother raising a 13 yr old grandson, and I need to get out of a debt under $9,000.00. I live on a net monthly income of $2050.00. thanks Bev

I'm with Pheona and Diane. It would be extremely beneficial to have episodes geared towards singles. I'm single, live in an apartment, have a car loan, make about $45,000 gross a year, and have credit cards. I do work with a budget, but by the time I pay taxes, rent, and other expenses, there isn't much left to get ahead of the credit card game, or put away in savings. Because I have no collateral, banks aren't as willing to give people like me a loan to consolidate my debts, or even a LOC that, interest wise, would be easier to manage (already tried that). Not everyone in debt has a house, cars, or other investments that they can use as collateral, but I am able to pay the monthly amounts. I just want more of my money going towards the outstanding amounts, as opposed to the interest. Where and what do people like me do in this type of situation?? Please help. Thanks. Claudine

I also think it would be good to see how the money in the jars gets calculated.... how do you figure out how much to put in each jar?

Love the show!!!!
I have learned alot and am on the right track. So, how do you figure out how much cash goes into the jars?

Hello Gail Love, Love the show. Your a big help with me. I need help with my husband and his spending. Are debt repayment is very high and killing our finances and our relationship. We are on the verge of slipping up. we have a 21/2 year old son. I have a budget try to safe. It seems what ever I do and say he disagrees with me constantly. 90% of the debt is accumlated before I meet. We are repaying it it's just hard to stick with the budget if he is not sticking with it.
Desperatley need help. Please.

Christine from Richmond Hill, Ontario

Hello Gail I love your show. You have helped me and my husband so much with our finaces we love your show and have taken what you do and put it in our lives. We have the jars now and everything it has helped so VERY much! Thank you so much.
I do have wonder though is it better to rent or buy your own house?

Darlene from Pembroke Ontario

Gail,


HELP!!!

we thought we were helping my daughter and son in law by purchasing a home for them and having them pay the mortgage. It seems now that they are still intent on SPENDING instead of saving and paying debts off so they can take over the house from us next year. I'm very upset as my husband and myself want to retire soon and do not want this house mortgage hanging over our head as we will lose everything if they cant afford this house.

Suggestions Please,
Pam

Gail I Love your show, I watch it as much as I can. I love the jars, I would love to know how much your suppose to put in them . I know it's a percentage of your income but I have no idea.I would like to learn how to do a proper budget, one I can stick to.

Thanks Gail I think your show has benefited alot of people like myself!!!

I watch the show all the time, Gail is amazing!! I live in Truro Nova Scotia is there ever a possibility she may go to help someone outside of Toronto. my life is in one of the worst financial situations. i see different people on the show and some seem to be in somewhat of the same situations as me. I would even be happy to just get some advice from her by mail email or anything. I would like to try and do the jars with the budget binder but how do you calculate how much of your income goes into each jar? I need help!!
I looked for her books but can't find.
Please help
Marie

Hey Pamela,
I don't have any kids but I am a young person still living at home. How ever I do have a sugestion for your situation. Put a for sale sign on the lawn! That would scare the heebe jeebee's out of me if my mom did that! I would make sure I settled my debts and could handel the morgage for sure then!
Gail,
Just wanted to say your awsome! I watch you all the time! Good show keep it up!

Hi Gail, I really enjoy your show. I too, am interested in the budget binder & jars and how they work. We have two children and would like to save for an education for them as well as put a roof over their head instead of wasting our money in rent. Could you please help? We have a monthly budget and the bills get paid on time, but we are still living pay cheque to pay cheque. Hope you can help. Thank you.

Hi Gail,
Love your show like everybody else,but I need your help.
My husband and I are separating after 28 years of marriage but I want to keep the home.
Unfortunately I don't make enough to make all my payments but I did pull out $6,200 of my rrsp's to keep afloat and get ahead a little bit,to pay the taxes and insurance.
Is this a good idea or should I just come to grips with things and sell the house.
Any advice would be appreciated.

Hi Gail..

i would love to get some help as hubby and i make good money and i dont spend anything that we dont need to....pay bills etc and mortgage but cant seem to figure out where all the money goes. I would love a chance to be able to tell u how much we make and how much we owe...and i would love to live off the jars and journal.....if you can give me some ideas that would be great and i would be forever greatful. Love your show!!!

Hi Gail!
Love you show....but like everyone I am wondering what is the best way to come up witht he amount for the jars each week?

Stephanie Barker

Hi Gail
I would like to know if there is a specific percentage you use for the jar system?

Hi Gail:

Would you please explain your jar system/expense binder?
It makes alot of sense to me - perhaps it would make things easier for my husband - then I wouldn't have to be so angry the end of every month; and I'd dearly like to save something for a decent vacation.
Thank you for all the information on your shows! Keep it up.
Marg

Hi Gail,

I have learned a lot from your show, however it just seems so much easier when some one else tells you how it is. My fiancee and I are in our early 20's and we seem to have absolutely no money for anything. I fear that truly we are going no where and our future ends here because we are so far in debt. At this age it seems crazy, But its quite scary actually considering that we don't even own a home. My point is, from what I have seen you are extremely successful at helping couples get out of debt and managing their money. I would greatly appreciate any advice you have to give.
Thank you so much.

Hello Gail,

It is so refreshing to find a show that not only teaches you but it is also inspiring. My husband and I can't thank you enough. Thank you for writing the article on buying a home. My husband and I have been married for 6 months. We are currently living with my husband's parents and looking to buy our first home. In Toronto, the rule of thumb of multiplying our gross income by 2.5 really doesn't provide many options. The bank has also pre-approved us for much more. Are the pre-approvals inflated? Do you have any charts/budget examples which can help us determine how much we can afford with an income of $140,000? Could you provide any advise on planning/ budgeting for a baby? Any books you have written on the topic.

Thank you so much for all your advice and guidance.

Hi Gail,

I am absolutely addicted to your show. I love the advise you give and show people from all types of incomes on how to spend and save. I have been married for just a little over a year and my husband and I are trying to save for a house--with your show we have actually developed a day-to-day journal of our spending and are now saving to our maximum capacity. Before we ate out and spent on things for the sake of it, but now because of our journal we think twice about spending because it seems fruitless to spend on something not necessary.
I want to thank you so much for giving us a show that has meaning and does good to everyone. I just hope you will make your way to the west coast.
Once again, thank you for your knowledge.

Thanks Gail,
My husband and I were married over a year ago and since your show we have had a better understanding of where our money is going. I put a limit on our weekly spending, am "finally" saving for a house and have even started a savings account for our 6 yr old daughter. we have limited money but i have, with your help found a way to save for all the things that are important to us.! power to the money lady!!!!!!! YOU! thanks again

Gail yourshow kicks ass! I have learned so much you are great! I love people who tell it like it is! I like the show where you took that girls clothes away.lol it was so funny.
We have taken so much of your advice but the husband is still smoking! Anyway keep doing the great job you are doing! Lisa Noble Edmonton canada!

I am wondering what % of your income should go towards your mortgage I love you show keep up the great shows

Love your style and sense. You're filling a real need in our society.

I look forward to seeing more info on the site about how to set up a budget (ie what % of income for what expense, etc.) how to set up the jar system exactly, and all the gory details.

hi gail
i love watching your show and my 10 year old son love it also. i was wondering if you can explain to me your jar system. we just bought a home and we want to make sure that we are not over our head each month. keep up the good work.

maureen

I watch your show all the time to get ideas on how to fix our money problems. My husband and I have been fighting the budget for many years - we have only been married for 1 1/2 years but together 7.... now we are married we would like to get our own house to have our family in and have a place to call ours. My problem is that I love animals and I have more then enough (4 cats and 2 dogs ) and they do take money out of us - when doing my budget we are $5 - $8,000 over what we make a month. I work at a shelter for animals (SPCA) so don't make much money and my husband is in school until April so we are with his mother ( stressful for all of us ). I am not sure where to go with what we have - we want a house so badly !
We do the jar system but my husband spends the money that he wants from any jar - so steals from something else for the month, which bothers me. we use his $1,600 a month for the jars and my $1,600 a month for bills....we don't make much but we are doing well - some how i am sure we could do better though ...... Is there anyway you can help me get us a home soon ?

Hi Gail,
I love your show !!! Thanks to your show and your advise, my hubby and I were able to save for a down payment on our first home in just 2 years!!!

Gail,

I watch your show a lot and not so much for my own benefit. I have a few employees that are young and experiencing some financial issues. I wish that I could have you come here and talk to them...but we are all the way to Alberta. There is limited expertise in this field here unless you want to deal with a large corporation...you loose the personal touch with clients. Thanks for the input and assistance with your show.

Hi Gail!
I LOVE your show!! I find it very enlightening!! Something I would LOVE to see as a university student, is you help recent university graduates with their debt! I'm currently getting close to about $40,000 worth of university debt alone and need to start as soon as possible to get this repayment sorted out! I would love it if you could do a show geared toward helping students with loan repayments!
Thanks so much!

Totally love ur show!!!! Fabulous... I really think you ahould address the issue of Equifax and trans union reporting process. They seem to take any information from anyone with a registered company and ruin peoples' credit. Sometimes there is a discrepancy between businesses and clients, eq, client disagree with phone bill company refuse to clarify amount with client and oppss!!! there goes a credit ruined. Hope you get my point and perhaps incorperate this somehow into your program. People work soo hard in this country and it takes so much to achieve anything valuable and not be stressed that bad credit could and will ruin things one day when you are sick, get fired or chose to start having family. I dont see how this society promotes family anyhow...

Hey , we've all been there or are still there. Great program. It's not easy trying to stay out of to much debt.

Hi Gail!

You're my hero! We are a one-income family with 4 young kids, and the income is pretty modest. After starting to watch your show I re-did our buget, and I'm happy to say that in 3 months we will be debt free for the first time in our married life! We still have fun with the kids, and even splurge once in a while, but I've learned the importance of want versus need, and the future looks so much brighter now!

Hi Gail,
Just wanted to share my story on how your show helped my Husband and I save ourselves! We were $15,000 in "bad DEBT" and had no light at the end of the tunnel, then I found your show! We decided enough was enough and needed a plan, now less then 1 year later we are only $4000 away from DEBT FREE!(2 mons to go!!) To top it all off our credit scores are getting better and better ever month!! Im not sure where we would be if it was not for your "Budget Binder" and "Money Jars". Thank you

Hello Gail

I just wanted to say thanks. Although my boyfriend and I are not in debt we do carry a mortgage. We have applied the same principles as taught on the show using money jars. Instead of using money on debt we have taken the debt and repayment and applied it to our mortgage. We will be mortgage free in less than 6 years. With money to spare for vacation, savings and all the extras.
This really works

Hello Gail

I just wanted to say thanks. Although my boyfriend and I are not in debt we do carry a mortgage. We have applied the same principles as taught on the show using money jars. Instead of using money on debt we have taken the debt and repayment and applied it to our mortgage. We will be mortgage free in less than 6 years. With money to spare for vacation, savings and all the extras.
This really works

Hi Gail.

My boyfriend and I love to watch your show. We have been following a budget for the 3 years we have been living together, but I want to make sure we are on the right track. We both have looming student loan debt that totals to about 50000, plus a car loan. We are credit card debt free and have gotten that under control, but we are struggling with wanting to save for a down payment on a house or just plugging all of our extra savings onto the debt. Which would be more beneficial. We are talking an additional $500 month that could be used for debt repayment over the 500 we already apply per month. Should we be trying to get the student loans paid off before looking at buying a new home? Also I would love to see how you work the budget binder and jar system. We work off a cash system as well and it is how we have no credit card debt, but I would like to know really how much we should be putting in entertainment, groceries etc.

Thanks!

I would like to see some follow up shows where you visit those that you thought most likely to make it and see where they are now...and more importantly, those that didn't make adequate improvements...where are they now and are they still together and going deeper and deeper in debt...probably not possible, but it would be interesting

Hi Gail

I'd like to know much of a percentage of your income should be assigned to each category
in a budget. I've started spreadsheets using all the typical budget categories provided by insurance companies and even on the Internet. I have then revised the budget categories to suit my circumstances. Maybe they separated insurances into two different areas and I wanted them together, for example.

Now this is what I need as a guide from you. What should the percentage be for most of the generic budget categories??

I have heard that you should pay no more than 25% of your net income on housing costs.

You said in one show to pay no more than 15% of your income on debt repayment.

I know that you are to pay yourself first and the base sum is 10% but what is involved with the 10%? Is insurance in this amount? How much emergency cash should there be?? I think $3500.00 was mentioned by one guru. Does the 10 % include all retirement investments as well as emergency funds and savings?? Would pension contributions and RRSPs and GICs and stocks represent the 10 % exclusively?? Could you explain this one category better to show how you should save??

I also heard you say in another show that there should be 3% put aside for regular house maintenance. This seemed a bit excessive but for a $300,000.00 house after 25 years of not doing the repairs you probably need $9000.00 set aside for those repairs but should it be for every year?

Should food costs be under 20% of net income? If so, would it be 15%??

What about all the utility, telephone and cable expenses?? How much should they take up of your income?

What about saving for holidays and education for students and so on and so on??

I know that not everyone will have the same needs but there has to be someway to generically itemize what needs to be put into each category. Can you give us some guidelines within your budget sheets which you do provide?

You are doing everyone a great favour by pointing out how to save. My aunt (now many years passed) used the envelope system instead of the jar system to put money aside to pay all her bills and there were savings in there too. She always saved for a new GIC every few months!! Needless to say - I didn't get her percentage guidelines from her either!

I've looked at different books for these percentages and have not found them. Maybe I'm asking for something which is too specific to be useful for all of us?? Do we have to play with the percentages until we get to the place where we are happy with the outcomes??

Could you please try to address this % of net income to budget categories somehow in your shows?????

Thank you very much!!

Maxine

Everyone is asking how to set up the jar system. Could you please explain how it works on your website. We are all looking to you for help. So please do this for your fans.

People, stop whinning about your financial affairs and do something useful.

If you're involved with a partner who has distorted priorities and spends money frivalously, then you have only yourself to blame ... if you decide to stay and work it out, then set ground rules or else.

The current "Me" generation also needs to wake up and recognize that you will be working longer/harder than generations past just to keep up in this economy ... its simple reality.

Gail has a distorted view of money management. If you don't have financial disciple and restraint, using cash isn't going to solve your problem.
If you need "jars" as a visual reminder of what you spend every week, perhaps you should also keep track of what you're flushing down the toilet.

Hello Gail,I really enjoy your show and after looking at our fiances find that we are doing some things right even if I feel cash strapped so much of the time. we own our home with a mortgage of coourse but have built up credit card debt of 8000.00 over the last two years. I'm going to work out the jar/envelope system to bring this debt back under control. debt is a slippery slope, so much easier to slide down than to climb out of. Thank you for your no nonsence approach. New Minas NS

hi gail,
we would like to be on your show but do not live near toronto. so oh well. but we would like to know how ou set up your jar system. we have a 3 year old and want another baby but he wants to wait till some, if not all of our debt is gone. at the rate we are going our son will be 16 before that happens. plus we want to buy our first house. please help us get started on our way to being debt free and ready for a home and a baby.

lyndsey

I disagree that you can buy a house that costs 2.5 times gross salary. That's way too much house payment! A house payment should be 25% or less of your total take home pay for that month. Then you have enough money left over for bills and some wants, too. Some of these people on the show are paying too much for their houses. And yet I've yet to see a show where they are told to move to something cheaper. They always want to keep their home "no matter what." Crazy.

Hi Gail love the show. Could you please explain the jar system on your web site or shows. How do you figure what goes in what? Thanks hope to hear soon.Thanks for the great advice.

Hi Gail,
Love the show and never miss an episode.

I am curious about your advice to homebuyer's in high priced real estate areas. For example, in Vancouver home prices typically eat up 70% of a family's income.

What is your advice for people dealing with tough housing prices in regions where the rules don't apply?

Thanks!

Hi Gail,
I have watched many episodes, but have failed to catch how we should divide up our money;ie 35% housing, %15 debt. Also what percentage do you use on your cash money jars? We are trying to buy a different house and do not want to get in over our heads.

Hi Gail i've watched your show every chance i get. your an inspiration to me but for some reason i just can't seem to get out of dept everytime i try to. My husband and I have about 43,000 in debt and that consumer debt "no morgage" as yet. We recently got married and ever since the bills and debts just kept pilling up. We really want to get out own home but can't seemto see a light at the end of the tunnel. I really need your help and advise because i really don't know where to start. Please help us Gail

Hi Gail i've watched your show every chance i get. you're an inspiration to me but for some reason i just can't seem to get out of dept everytime i try to. My husband and I have about 43,000 in debt and that's consumer debt "no morgage" as yet. We recently got married and ever since the bills and debts just kept piling up. We really want to get our own home but can't seem to see a light at the end of the tunnel. I really need your help and advise because i really don't know where to start. Please help us Gail

There is a comment on this page from sept. '07, in which someone(Ron) has decided a mortgage is bad debt?... Is that a joke? Does it make more sense to throw your money away on rent every month, as opposed to an asset that is continuously appreciating? Let's leave the financial advice to the experts.

Hi Gail my name is Luciane Luthi and always watch you program. My boyfriend Kevin and I applied for the contest in the end of 2007 and around february 6 2008 we got a call from a girl calling on behalf of your show her name is Nicole de Montbrun and she has invited us to participate in the program and had explained that we would have to provide some financial statements and other papers. We arranged everything and later we tried many times to talk to her and she also sent an explanation of your show and all the steps that we would have to go through we had accept that but Nicole never called us back. We were wondering if she really works for slice tv and for the program. We were really excitted about been called for the program and we are still waiting for a response from the program or from Nicole. We would appreciate you reply. Yours truly. Luciane Luthi.

For all of you that want to know how to set up Gail's system go to her web site www.gailvazoxlade.com and look around. There are interactive sheets you can enter your figures in and it tells you what to put into the jars. Good Luck!

Hi Gail,
I lovey our show, however as someone living on the West Coast it is hard to apply your techniques. It would be great if you could do a view episodes on the west coast. My husband makes 55,000 and we have to spend over 35% on gas and insurance alone. And there are no townhouses for sale here for under 300,000! Please help us out on the West Coast.
Thanks for all you do.

Hello Gail I also love your show I would like some advise. I have a lot of debt all in my name I am married but my partner has no idea. I don't want to claim bankruptcy but I have a house that is paid for. I want to know how I can do this and have one payment only and pay it off in 5 years or less. Please HELP ME. I need an answer too. Please Please thanking you in advance Annie

I am currently working three jobs (bring home more money) to pay down my debt. All I can say Gail is that I love your no BS approach as it really is all common sense. I got myself into debt I will get myself out. It's very hard work and I have my moments of weakness where it feels like I can't do it, but watching your show really helps and reminds me of what I'm working towards. You are an amazing inspiration in my life...thank you Gail. Debt free in 08!!
Cheryle

Gail,
I am just recently married and have a 10 month old baby! I never miss an episode of your show, I love it!! You have helped me look at things in a whole new way! Also gave me some great ideas! I have printed your budget sheets and am going to take it from there! Take care, and Thank you!!!! =)

Love the show! Would love to see a show featuring people who are self-employed. So hard to make a budget when it's always different! Thanks!

I am with robyn and some of the singles... Being self employed and single makes it extremly difficult there is never a steady income in my life...

please help!!

Love your show - what a fabulous resource you have become.

I would love to know the ratio's you use to determine the weekly budgets.
Where can i find more information on what spending is right for each area of living?

Thanks

Hi Gail, I watch your show religiously and i've been trying to apply some of your financial advice...i'm a 23 yrs old student and single mother of a 4 yr old. I'mi in my final year of nursing and i would like to see some of my 13,000$ credit card debt begin to decrease!!..i having a really hard time managing my budget without having to go into use my credit card, whether it be for gas or groceries!!...i feel like i'm in a revolving door and i can't get out!!!...I'm struggling with dealing with my present expenses and saving for my future at the same time...
any advicce would be helpful
THANKS

Hey Gail, First off my fiance and I want to let you know that we LOVE your show. Secondly we want to say thank you for getting your knowledge and expertise out there. My fiancee and I had 2 credit cards with $3000 in debt and $15 000 in student loans and an $18 000 Car lease, which isn't awful, but now we are looking at having a wedding, and we want to buy a house we realized two things. We are addicted to our Visa and it was only going to get worse, and that if we continued they way we were going we'd NEVER save any money. So we are on the Jar and Budget Binder system-NO CREDIT CARDS, we are paying stuff off, and saving for the things we want (and an emergency fund. The best news, is that in 40 months, we will be married (after a nice backyard wedding), we will be debt free and own our car free and clear, have 6 months Emergency Fund AND have almost 15,000 saved up!!!! Life is GREAT. So keep up the work, and keep tough!

Dear Gail,
I really enjoy watching your show you make every thing simple,i wouls love to see a show featuring people 55-to 60 who are thinking about retiring but cannot afford to do so because of debt
problems,Gail do you do personal consultations ?i would feel really ashame to appear on tv keep up the good work i am hoping to get an answer.
Eudora.

Gail I recently saw a show were you had a woman call her credit card and negotiate her interest rate/payment. I would love some advice on how to do this properly...like what to say...I want to make all my payments but I am behind and its seems to be piling up faster and faster. Any information would be greatly appreciated.

Hi Gail,

We would like to meet with someone in Vancouver that can review our finances similar to what you do on the show. Can you recommend anyone?

Thanks!

I watch your show faithfully... I have made some bad choices, in the past, that have made my life difficult. I have watched and written down things I get from your show and tried to apply them to my life. I find the biggest asset to watching your show is that it keeps me motivated to continue to get my debts paid off and out of the way. It is so easy to fall off the wagon and watching you helps keep it fresh for me. Thx Gail for everything you do...even though you can't see how much you have affected me!

I am a 60 something viewer. I like it when you give kids the responsibility of money. If they learn as kids they will never get in a jackpot.
I like your home buying guide on this website. I'd like to tell you how we saved for a house. We banked my husband's salary and only the rent came out of that. The rest went to savings and we lived on my salary. You'd be amased how much we saved. It worked for us and it worked for my son.

Hi Gail, I have always had a handle on my money, thanks mostly to my mother, but my other half has alway been in debt. That was until I came in to his live. We have now purchase a house, and he even writes down everything he spends in a little black book.. I do have one question for you, do you know of any website were I can get coupons from. I remeber when they were listed in the food fylers... Great show love it keep up the good work....

I Love your show! However I just watched an episode where the woman outwardly admitted that all she wanted out of the experience was the $5000 cash! She had a very expensive education and chose not to do anything with it. In the end where you chose to only award them with $1000 they were very ungrateful saying "this is very little" I completely disagree with your choice to award them with anything! I don't think they deserved it. I live in Saskatchewan and would love the opportunity to experience your expertise, unfortunately the show is only open to the Toronto area. Currently my fiance and I are doing what we can to secure a mortgage. We have to small children and our finances are in shambles. We have improved a lot in the past year, however it seems like a losing battle! I hate to see someone receive the help they need but are too spoiled and selfish to accept it graciously, or make an effort to help themselves.

Hi Gail,

I love your show, i just wish i could save money it seems it takes forever to make and 2 seconds to spend. Anyway you know your budget binder do you have a copy online that we can download or you have for purchase. Please let me know
Thanks for helping all the relationships out there, there should be alot more of you in the world.....

hi i love your show. do you ahve a web site that can tell me what percentage i need to put in the jars for my own buget.
Thanks keep it coming

Hey Gail!! Love the show and I watch it lots. I have been cleared of my bankruptcy for 2 years and want to buy a house with my husband. We recently saw a mortgage broker and he had told us, despite my bankruptcy we can have a house by next year. I have to get a secured credit card, RRSP and start a savings. The thing is I was told that the mortgage broker didn't give me the right info and I will never be able to get a house with my name on it... can you help??

Also do you actually have a budget book you sell online? If not it would be nice to have something like that...I am sure it would sell!!

We have used similar budget and money saving tips and on our 10 year anniversery our home is paid off!

Hi.
Love your show, and it actually made my husband realize how important a budget is! Ever since, we are on a budget, paid off all credit cards, and currently paying off the student loans.
Thank you so much!

Hi. I absolutely LOVE your show! I would like to start using your budget binder and jars. Where can I find the info to get started? Thanks so much!

Gail,
After divorcing my previous wife and paying off all the debt I was left with I used tips from your show to take control of my finances. I am now in a strong loving relationship where are financial goals are the same. We recently have been offered the opportunity to "steal" a very large home which is for sale at $70,000+ below market. After running all of the numbers, while continuing to be debt free our monthly leftover cash is $2000 with $10,000 in an emergency fund. With your advice I see how important the basic budget fundamentals truly are. Offer is pending. Thank-you

Hi Gail,

I wanted to write you, as a thank you for keeping things honest. I unfortunatelly are the type of learner who needs to be told in a real no nonsense way of the consequences.

I am currently working very hard to pay down a debt that I have collected over the years of living the single life. I have met a wonderful girl who means the world to me, but when I think about money I just get embarassed because even though I am a professional at work I feel lost when it comes to finances.

My dream would be to be able to get on to your wonderful show, get on a hard working plan to get my finances in order and be proud to take the relatiosnhip into to the future with my head up high. I know all your shows are for couples but if or should I say "when" you decide to have a show featuring a person who is in a relationship but living seperately I would be your ideal candidate. I have lived long enough with a "pretend" life of material things and its time to grow up and realize the meaning of financial security.

Thank You

Peter Nyagai
Richmond Hill, Ontario

HAY LOVE YOUR SHOW WISH YOU WOULD COME TO TIMMINS ONTARIO THOW HELP ME AND OTHERS OUT LOT'S OF US NEED IT HERE THANKS NEIL FROM TIMMINS

Hi Gail,
I watch your show regularly to remind myself of what could happen if I let my spending habits get out of control. However, my husband and I are in a different situation from most of the couples featured on the show. We are planning our big expenditures and paying off our credit cards each month, as well as trying to pay down our mortgage. What we struggle with is our different 'spending personalities'. Do you have any strategies for couples who are out of debt but trying to balance mortgage payments and saving for the future with current needs and desires? Do you have any tips for resolving conflicts that come from one partner wanting to do nothing but save and the other wanting to also enjoy some of the benefits of working hard? Any ideas would be appreciated! In the meantime I will look forward to upcoming episodes (and reruns of the ones I have missed)!

Hello Gail, me and my wife enjoy watching your show very much. However I have to ask you where you are getting your investment return numbers from sometimes, most of your long term investment numbers feature compound interest return rates that go from 5% all the way to nearly 7%. I wish I could get a return rate that high, I have scoured the internet and every bank and nobody offers anything close to that. Please share your secret!

Hi Gail,
I watch your show every chance I get. My husband and myself lost our company 6 years ago and had to file for bankruptsy. After living on one income, we finally are seeing light but fear that our credit is so ruined from the bankruptsy and not being able to pay our bills due limited income we may never own a home as well as retire, and send our children to post secondary. We both have great jobs now and are about to receive an inheritance that we would like to be able to get our credit in shape to own a home etc and dont want to make the same mistakes. How can get help from someone such as yourself without being on your program?

Hi Gail, i'm a newbie to your show. I've watched it twice. But I have put mason jars aside and as soon as we get back on our feet again we are planning to do this. But I have a couple questions you might be able to answer:
1. What goes in the binder?
2. How much do you put aside for your variable spending ( percentages I mean)
3. are we supposed to invest our monthly savings/ and the emergency fund does that grow every month or just reuse it?
I hope to hear from you, because we did make some steps already. I cut my weekly spending from about 400. a week to 15-50 for myself, I took all access to my bank cards away myself, and I cut back on everything we could cut back and Im forcing my boyfriend and I to quit smoking Thats a big chunk of our money right there!!!. So I am trying really hard and I dont ask my bf to buy stuff. He sees my commitment to our home we are trying to purchase. I think he secretly was getting tired of our financial situation. And I knew I had to change if I wanted to get married and buy a home. So thank you I appreciate your show.

Pay down debt.

Thankyou Gail for the inspiration.

your unbelievable watch your show every day

Hi Gail,

What about us single folk, we need advice and help as well. I only see and read about couples. Why is that?

P.S Great show!

Gail, you are my idol. Thank you for all your help.

Gail, you are the best! 'Til Debt Do Us Part Is My Favourite show. I tape every single episode that is on and watch religiously when I get home. It has really helped me to wake up when it comes to my finances and your no-nonsense attitude to those on the show always makes me laugh. You rock!

Hi,

Love your show! Have plans to implement your strategies but haven't actually started yet. (Our finances are ok..not about to lose the house or anything but I just want them to be better). I would love to watch some follow up shows with these couples to see if they have followed through. Maybe you could surprise the couples with some money, a vacation, etc if they have met or exceeded your plan for them...Just an idea.

Love the show! I would love to see an episode directed towards single parents. I'm a single mom trying to who is starting fresh and I'm looking for advice. I don't know how I will ever be able to afford a house on my own and I want to make good financial decisions here on in. I know that there are others in the same position - help us!

Hi, Gail,

It is very interesting - your ideas about calculation how much I can spend on house. I never ever heard like this and..... I completely agree with you! But I heard that banks calculate 5 my incomes as a price of my home. What the trick!!!!! And you didn't tell us anything about down payment. Please tell us couple more words. Just couple will be enough!

Hi Gail,
One thing to consider when purchasing a home, that my husband and I didn't think about when we bought is at what point we will be mortgage free. We carry a mortgage and property taxes of $2400 per month. We've realized however, that we'll be paying this into our 60s. We are currently in our mid 40's. We've decided that the big house in the exclusive neighbourhood is wonderful to live in, but we would rather be mortgage free within five years. So we are downsizing. We're moving to a smaller, but lovely home in a modest neighbourhood. Our property taxes will be reduced to half. We will retire early and spend our time traveling. When will you be mortgage free is as important to consider as how much you can afford.

When obtaining your mortgage it is important to shop around not just for interest rate. You need to determine how much of your payment is going towards principle and how much towards interest. I own 2 income properties with mortgages from different banks. I have the same interest rate for each and make the same monthly payment. However, when I received my annual statement one property had built up $5000 in equity while the other had only $3000. The banks were not forthcoming in revealing their formulas for calculating interest vs. principle. I now ask how much equity I will have in a property after 5 years to determine which mortgage is better value.

Hi Gail!
I agree with one of your other viewers. I am a single woman, just having purchased a home, and still have lots of debt to deal with. A single person's budget would be nice to see on the show. I can't help but think how crazy it is that the people on the show can have combined incomes of $100,000 and still can't get their act together.
Moira

Hello Gail,
I enjoy watching your shows and have gained a lot from these shows. However, I would truly love to see a show where couples who are on welfare, trying to get off (wife recently received her landed status and is looking to go back to school at the age of 44yrs.) This would be helpful to a lot immigrants here in ontario. Thank you and God Bless!

Hi Gail
I love your show and have recently got my boyfriend hooked on it too. We were just wondering whether you considered doing a show that helps couples just starting out to avoid getting into debt?
Thanks
Andrea

Hi Gail
just want to thank you for having such a great show.My wife and I have hit some rough times,but seeing your show allows us to face our debt head on.The only thing we can't get is how you get your numbers for the jars.Your web site shows the % but not how much you should set aside,maybe down the road you can set this up on your site.Keep up the great work,I'll keep watching.

Hi Gail, I've watch your show and I just love it. I have a 26 yr old son who purchased a home last year. He is having financial trouble. Can you pls give us some incite where to start budgeting, using your jars, Binder and anything else you can suggest. He is a single person trying to make it on his own but has a bit of debt and now a mortage and everything else that goes with it. He just can't seem to get his head on top of the water. Any suggestions.

Love your show. Gambling is a terrible thing. It takes control of your life & senses. My boyfriend & I have been together for 5 yrs. We met at a casino & have been going & trying to quit since then Each time we go it is going to be our last time. We are still saying that. We went this w/e.
Even with planning a date night we still messed up with going. It is wreaking havoc with our fiances & every other area of our life. It's stealing our soul. We are getting stronger & your show is helping tremendously if we will just stay away from the Big C. I would like to see more shows that deal with addiction. I ordered your buget binder & I'm comitted to using it & staying on track. No more Casinos

Gail I watched your show for the first time and was so surprised on how it related to our finances. Being self employed w/lack of education for budgeting and working as at team, many mistakes were made. Now we have daughters who want to be their own boss and it truly starts when they know how to spend cash...I wish you had a few episodes to help the single, just out of high school/college and how to budget their finances.

We are the people you warn others about- we now have $160,000 in consumer debt and are selling our house to pay it off but will still have $60,000 in debt after that. Take Gail's advice and get a plan before this happens to you!! Credit is evil!!

i was wondering how much should 2 people have for a grocery budget ?

Moregreat stuff at www.gailvazoxlade.com , including abudget worksheet with the jar calculator built in, and pages for the budget binder. Best wishes going out to all of you who are in dire straits. I'm there, myself, but there's nowhere to go but up from here.

I am a single female with a 10 year old who makes $50,000 a year. My mortgage is at $86,000 and I do not have ant significant debt other than a line of credit for $10,000. I am looking to buy a property in the states to use for retirement (eventually) and was thinking that this would be a good time to invest in real estate. With the dollar, the interest rates and the real estate being so cheap, I thought why not..Should I strap myself financially?

Hi Gail, love your show! I would also like to see you work with some single people trying to save for a first home purchase!
Keep pinchin' the pennies!
Cheers
D

I am writing from Alberta, Canada. Recently we had some trouble paying our mortgage and now they want to foreclose what can we do? My mother passed away and my boyfriend was unemployed at the time. We only missed 2 payments. Please help.

Gail, your show is amazing and so interesting, I try never to miss an episode...I have learned a little, but not yet enough. I agree with an earlier comment posted on here, insofar as doing some shows on singletons...I think it would be very helpful, in particular, shows about single women/men with good jobs, no kids and near retirement...how to ensure we have enough to retire on and how we can improve our financial status.

Gail! you have changed my whole perspective on finances! I used to 'play now, pay later' and watching your show changed how I thought about all finances. I have now cancelled some purchases we have thought of buying on credit. I have sat down and made a budget and figured out how I could pay off my student loan so I could get it paid off sooner rather than later. I got my partner to start watching your show and now he has put himself on a budget because he realizes how risky it is to not have emergency funds, savings and living pay cheque to pay cheque. we're a young couple and I think we thought that we had 'lots of time' to save. Thank you so much for saving our finances!! :) oh and since watching your show I have paid off ALL of my credit card debt!!

hello, ive been watching your show since it first aired, because of your advice on the shows we were able to be financially sound enough to take advantage of going to work abroad for a year and a half. the downside was that we cant watch your show in england. i look forward to coming back to our homeland and catching up on all of the episodes that ive missed :P .

gail, i have been trying to apply to the show on the casting call but am having no luck for some reason...i am in serious need of your help...i have come to my wits end...if there is anyway to contact you could you let me know...thanks a bunch

signed losing my mind

I know its a 2007 comment, but you are wrong in every aspect. A mortgage to a bank is a weak asset to a bank (thats not where they make their money).. Lets say your mortgage payment is 2000 a month... for the next 25 years... Inflation eats away substantial gain the bank makes, as the '2000' dollar's value is eaten, ever think of that? 2. How in the world can you consider a mortgage for a house, not an investment? you even state... 'Anything that makes you money on a monthly or weekly basis is good debt'.
Last time I checked, (over decades) house prices constantly increase). Are you a wreck-less investor using leverage? Lastly, I dont think you even watch her show as its not about getting 'wealthy', its about living within their current means and getting out of a rut or hole dug by their lack of understanding.

Hi Gail
I love your show and watch it all the time.I really like to see you and if you can help the people who are liveing on cash only no credit card at all.
Me and my husband and two kids are liveing on cash and pay check to pay check only and i belevie that we can do more but right know my husband doesnt beleve me. dear Gail i realey need youre help.

Dear Gail
I realy like you show i just seend you a comment and I forgot to tell you where i am from ontario

Gail, Your program is absolutely the best thing I have seen on TV yet. I love your style with your clients. Money management is common sense and discipline and people today really need to get back to basics. I hope your clients stay with the plan.

Hi im only 18 year old but i am obssesed with being debt free. I have like two drawer of clothes because of it. I am going to university in September and would likw your help on staying debt free. Even with my obssesion I am only 18 so i like to eat out, sometimes buy clothes. And all the fun stuff...boooze, parties,etc. I dont plan on working first year and becuz I am in chldren's aid. I have the lil scholarships I get and money i get from them to pay my rent. I had a job previously for almost two yrs but right now I really want a job but is having difficulty. All the jobs available is about three bus ride away which I would prefer not do but i am very determine to have a job. I only quit my last job because of my move. Do u have any tips on how I can pay back OSAP as fast as I posssibly can. Im goign to school for human Resoource managament.

I love it when the people on the show give attitude and think they know more than Gail. Hello who's in debt and asking for help? So funny. I'm debt free, no cable, no car, a TV older then my son, but I have a nice down payment for a house. I spend my money where it will make me happy not just in th moment but in the future. Thank you Gail for your guidance.

Hi Gail,

My wife and I love your show. We consider ourselves good with money but we learn something every show we watch. Keep up the good work, changing one family at a time.

Thanks

Carolyn and Jeff =)

LOVE the show! I just wish I could take that great advice and tips and apply them to my own life.I see something on a show and I'm like WOW i need to do that..but I don't follow through with it.I also wish my husband would take the show more seriously and help implement a plan.At this stage in our lives(30),I feel like we should be a bit better off!?
For now I will keep watching and enjoying every episode!

I wish you would make a show for single people who want to organize their finances. I would sign up in a second. Thanks for the great advice.

Hi Gail:

I could really use your help. I am a single mom with three kids and can't seem to break out of the vicious cycle of poverty, even thouhg I am well educated and make a fairly decent income. HELP!!

Hi Gail,

I love,LOVE your show, my husband and i have been married for 7 yrs and every time we try to save we get caught up in helping extended family members back home (on both sides ). we had decided to tighten the reigns last year tragedy struck and my eldest sister pass away leaving 2 kids behind,with one in high school that left us with 50% of the resposiblity ,we have no problem with that has she was always there for me growing up she was like a mom,my husband's father is also gravely ill and he gets call all the time to send money ,i'm presenly on mat leave so that means our combine income is $4500 after tax we have line of credit presently @$2300( paying a little at a time ,credit cards -$2500 paying that as well and desperately trying to cancel ,student loans $8000,car payment $10,000 collection agency, with all of these we're finding it hard to balance our everyday billsof rent, food, transport etc + 2 kids under 4 we are trying to get out of debt we'd love to buy a house in 2 yrs any suggestion?

Hi Gail,
I absolutely love your show and you! You give sound advice and simplify it especially for us hard heads that always end up maxing out our credit cards after we've finished paying them off. Thank you for finally getting a website and providing budget sheets that are easily downloaded. You always tell it like it is! Don't change and never stop teaching us how to budget. Many thanks, Sandra

Hi Gail,

I love your shows and love you too.
I know some people don't like when you are hard on them to wake them up, but I think that's just what they need.
So keep up the good work because you are making a big difference in my life too, me and my husband are debt free with the exeption of our mortgage, but now I see that as debt too and we are making extra payments on it since last month,for the first time we made a budget for Christmas shopping and we stayed under it.
Sometimes when I don't buy something I didn't need or I tranfer money into the saving account I catch myself thinking: Gail would be so prould of that.
Well Merry Christmas to you and all the best.Thanks Lilly

HI Gail,
I really enjoy watching your show, I do wish you would have some focus on single moms, to show how to properly budget, save & still live - especially on a low-medium income. I would love to be able to pass that knowledge on to my kids (16yrs & 7yrs) so that they too can spend wisely & save for their future.
Thank you & I will certainly continue watching!

This show should be must-viewing for all high-school students.

I would love to see a book on variable incomes - as a massage therapist my income fluctuates - sometimes drastically, I would love some info geared towards this specifically.

hi gail
im moses a chef and from jamaica, i how live here in canada for about 6 year now, i've being though alot with the lady i was married too, not knowing much about this country really didn't work best my way, i must say i love your show i always watching it as long as it is on thats all i watch. im now married to my now wife kandia which i love so much. so at this time we are living in a an apartment which i hate we would love to buy a house but at this time i could really use some (your) guide in we doing this. i know this is a comment page but i dont know how to get too you so please if u find the time to let me know that would be good hearing from you would make my day (life) thank you and have a good day.

(NOTE: email removed by Blog Moderator for security. Please visit Gail Vaz-Oxlade's website here: http://www.gailvazoxlade.com/)

Re: Ron's comment

Ron, you're an idiot. Gail, you're a genius.

Ron, how are people with significant consumer debt supposed to invest!? If I was $20K plus in credit card debt, why the hell would I invest? Clearly I'd have no money TO invest. DUMB

Hi Gail,
I love your show. Do you have any tips
as to how a single mom can gain enough
money to really better her life style
and maybe buy a house.

Thanks,

Gail, I love your show and I to wish you would have more shows to help single moms. I would like some advice on showing my child how to save & invest at an early stage of their life, then follow me and so it later when it is linda late. I look forward to continue to watch your shows and hopefully to get advice on how I can meet my goals. THANKS!

I am addicted to til debt do us part...I watch this show religiously and I think Gail is brilliant, I get a massive reality check everytime I watch the show :) it has helped me to put my focus where it needs to be, to be DEBT FREE & saving for my future. I'm a single mom with one income and need to be even more cautious with my $ Thank you GAIL :) :)

'Hi - love the show and have learned a great deal. Just wondering if you ever do any follow ups shows to find out if people are still sticking with the financial plan\x2fbudget\x21\x21'

'Hi Gail,\x3cbr \x2f\x3e\x3cbr \x2f\x3eFinances, and debt are a very difficult subject for me. I have started collecting jars, and trying to watch my spendings. Next I will print your budget sheets.. and plan on doing wonders. Thank you for your wonderful show\x21 Finally a show on tv that brings people a little hope and lot of good positive influence rather that all the negative and violent stuff out there\x21 Keep up the good work\x21'

'I need to be on yr show. PLEASE. I can show u how horrible this is. I put money in the bank to clear a bill my husband withdraws it and spends it. I ask him over and over,its like he is stupid and doesnt understand. I have had enough. I am at the end. Please contact me.'

'Hi Gail, I would like to see a show of a single or couple that is beyond redemption\x3a ie, by the end of the show, a person\x28s\x29 has no choice but to file a consumer proposal or better yet a bankruptcy. I think it would make for great ratings and also show viewers the illusion of credit.'

'Your website is really cool and this is a great inspiring article.\x3cbr \x2f\x3ehttp\x3a\x2f\x2fwww.thepowerlevel.com\x2fGold.php\x3fN\x3dWizardry\x3cbr\x2f\x3e'

'Hello Gail, I watch your show everyday and your a amazing women..... I would love for you to come visit my husband and I. I think that you may be the kick in the butt my husban needs to stay within our needs. I think you have a great attuited and I admair your strong headedness\x3aO\x29 Please help us\x3aO\x29'