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Debt-Free Forever: Take Control of Your Money and Your Life [Kindle Edition]

Gail Vaz-Oxlade
4.7 out of 5 stars  See all reviews (78 customer reviews)

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Book Description

If you’re afraid to open your bills, if you’ve never added up how much you owe, if you can’t even imagine being debt-free, it’s time to join the thousands of people Gail Vaz-Oxlade has helped. Her straightforward approach to money management is based on self-control, hard work, and prioritizing what’s really important. Debt-Free Forever is Gail’s step-by-step guide, and she’ll show you how to:

figure out how much you’ve actually been spending
• calculate how much you owe—and what it’s costing you
• build a budget that works
• maximize your debt repayments so you can be free of consumer debt in 3 years or less
• prepare for a rainy day so it doesn’t mean a major setback
• set goals for your new, debt-free life.

Make no mistake: Getting out of debt isn’t easy. But in Debt-Free Forever, Gail gives you a clear strategy and the steps needed to implement it. So if you’re finished with excuses, overdue notices, and maxed-out credit cards, pick up this book, follow Gail’s plan, and start becoming debt-free forever.



Editorial Reviews

Review

“Vaz-Oxlade has tied together all the advice she has given over eight seasons of Til Debt Do Us Part in her latest book—Debt-Free Forever . . . She writes the way she talks, so the book is entertaining and easy to read. Many of the tips are useful even for those who aren’t in debt.”
Windsor Star

About the Author

Gail Vaz-Oxlade has been a personal-finance writer and columnist for 25 years, following a career working for financial-services companies. She delivers her no-nonsense approach to money management as host of the television show Til Debt Do Us Part, which airs in the U.S. on CNBC, as well as in more than 30 other countries, reaching millions of viewers each week.

Product Details

  • File Size: 719 KB
  • Print Length: 320 pages
  • Publisher: The Experiment (April 13, 2010)
  • Sold by: Amazon Digital Services, Inc.
  • Language: English
  • ASIN: B003JTHBWY
  • Text-to-Speech: Enabled
  • X-Ray:
  • Word Wise: Not Enabled
  • Lending: Enabled
  • Amazon Best Sellers Rank: #161,225 Paid in Kindle Store (See Top 100 Paid in Kindle Store)
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Customer Reviews

Most Helpful Customer Reviews
42 of 42 people found the following review helpful
5.0 out of 5 stars Move over, Suze Orman. July 6, 2010
Format:Paperback|Verified Purchase
After watching Gail's TV show "Till Debt Do Us Part" I wanted to get some of her books. I also watch Suze Orman's TV show and have several of her books so I have a good standard of comparison. In my opinion they are both "gold". Gail's approach is a little more personable and, perhaps, a little easier to understand for the inexperienced layperson. I am a 68 year old woman whose husband of 45 years has decided he wants a divorce with limited and minimal spousal support so I am definitely an inexperienced layperson. Gail's book has "girded my loins with strength". Thanks, Amazon.com; this was money well spent!
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41 of 42 people found the following review helpful
5.0 out of 5 stars THIS WOMAN HAS CHANGED MY LIFE!! May 12, 2010
Format:Paperback|Verified Purchase
I love Gail because she is no-nonsense but she is more than just a motivational speaker. She shows you how to get yourself in a position of financial freedom. I'm not much of an investment type so many of the financial gurus don't work for me. Gail speaks mainly to people in way over their heads and us "common folks" and tells us that it's not totally hopeless. We've paid off $10,000 of credit card debt in 2.5 years...thank you Gail!
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38 of 44 people found the following review helpful
5.0 out of 5 stars Debt Reduction the Hard Way--The Budget!!! April 23, 2010
Format:Paperback|Verified Purchase
As a TV viewer turned reader, I thoroughly enjoyed reading Gail's book. It showed me how to make percentages of the various categories of expenses and savings thereby allowing me to make a pie chart showing where the money is going. She uses a jar method for weekly expenditures, but you could also use envelopes. I found out my rent expense was within the percentage she allowed. I always thought I was paying way too much for this expense. I use a Vacation Club and Holiday Club. I am far behind in Retirement Savings and I am taking aggressive action; plus saving to pay cash for new/used car, and the emergency fund too. Using cash and using two credit cards by paying balances in full each month with no finance charge and the debit card seem to be working with the budget-a must! Still give to Church & Charity. Thank you Gail. Keep up the Great Work!! I highly recommend this book.
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13 of 14 people found the following review helpful
4.0 out of 5 stars Lots of Solid Information. Lots of it. April 13, 2012
Format:Kindle Edition|Verified Purchase
Having read a lot of other personal finance books and blogs over the years, I picked this one up for cheap (Kindle sale!) having not heard of Gail or her TV show. (The reviews were good, and I was searching for stuff on envelope budgeting, which Gail talks about here... she uses "Magic Jars" instead of envelopes, but the concept's the same.)

The book contains a lot of basic stuff you've heard before, but there are several sections that talk about saving and investing too. She insists that you must be saving some money NOW, not waiting until your debt is paid off.

She does differ with Dave Ramsey on a couple of items (such as paying your high-interest debts first, rather than Ramsey's advice to pay your smallest debts first) and she doesn't really say to never ever ever use credit cards again, but takes a more balanced approach of pay it off monthly & only buy stuff with a card if you know you have the cash in the bank to pay it off immediately.

The book is a fun read. Plenty of attitude, common sense, and a voice that implores you to be prepared for some really hard work.

If you haven't read many personal finance / budgeting books, then this would be a good one to get. If you have, you still may pick up some good tips which might be worth the Kindle Sale price to you.
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9 of 9 people found the following review helpful
5.0 out of 5 stars Read this book even if you are already debt free! May 16, 2010
Format:Paperback|Verified Purchase
I was so happy to see that Gail has written another book! Her head is on totally straight, her sense of humor is marvelous, and what could be more universally timely than this topic??

The best part about it is that there are chapters that can help you save more money toward retirement even if you're already debt free and think you are doing just fine. It's aimed at people in debt, though, and has marvelous ideas for how to get rid of those credit cards and dig yourself out of debt. She says it's not easy and of course that's true, but it's easier with Gail as your teacher. Some of her ideas are so simple that you can't help but wonder why you didn't think of them yourself. But you didn't. But she did!

I also recommend her TV show, Til Debt Do Us Part.
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11 of 12 people found the following review helpful
5.0 out of 5 stars It's like she's in the room July 11, 2010
By Hope
Format:Paperback
I'm a little surprised at how much the book sounds just like her. I watch her on TV, but often the stuff I've read by other people just sounds so complicated. Not this book. It sounds like the woman is talking directly to me. I've been in debt a lot longer than I imagined I would be. First it was just a little. Then my husband lost his job and it got to be more. But this is the year it'll be different. I'm not saying that what she's suggesting is easy. It was really hard getting all the paperwork together and figuring out what I've been spending. And it was a bit of a process working out the debt payoff plan. But now I have a number and a date. I will be debt-free in 27 months. It seems like a long time, but not too long. No debt fatigue for me. I can finally see the light at the end of the tunnel and as she says it's not a train. LOL. If you want to get rid of debt, this book will show you how.
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32 of 41 people found the following review helpful
4.0 out of 5 stars Nothing New Here April 25, 2010
By RAYT721
Format:Paperback
This is a decent book although I would not give a five star "exceptional" rating to it. I like the author's conversational "tell it like it is" style. This book is clearly written for the oblivious reader who somehow woke from a coma and declared, "I wonder how in debt I am" and is on a mission to find out. That's okay. There are people like that who must first see the magnitude of the problem before they can take the steps to acknowledging and working their way out. Vaz Oxlade pulls no punches in upfront telling the reader that the way out is not nearly as easy as the way into massive debt was. It's going to take hard work. I personally would have liked to see more money-saving advice on how to get out because I have figured out the debt that I have to the penny before getting a hold of this book. All in all, however, the book is good for those who need a push to take on the project of becoming debt-free. In this case you CAN judge a book by its cover... it's a "how to" book on acknowledging, getting out and staying out of debt forever! That is well worth the price of this book. Read the principles, apply them, and you can become and stay out of debt.
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Most Recent Customer Reviews
3.0 out of 5 stars Only for Debt-Free Beginners
Good basic book for someone who hasn't asked themselves the hard questions about getting their debt in control. It's a tough love book but very basic.
Published 2 months ago by LC
5.0 out of 5 stars Five Stars
lot of good ideas to get out of debt & live the life within your means
Published 3 months ago by Bankim Patel
5.0 out of 5 stars Smart, sensible and well organized
I wish I'd had her books when I was 21
Published 4 months ago by J. C. Park
5.0 out of 5 stars Five Stars
Best book I've ever read on debt management.
Published 5 months ago by mortgagejoy
5.0 out of 5 stars Five Stars
$$$$ expert keep those jars !!!
Published 5 months ago by melody
3.0 out of 5 stars JUST OK
DIDN'T GIVE ENOUGH INFORMATION THAT I HAVEN'T READ IN OTHER PUBLICATIONS
Published 6 months ago by Harlow
5.0 out of 5 stars Gail at her best!
This book is no-nonsense and full of common sense tips for successful money management. if you have seen her shows you will recognize Gail's plain-spoken tone and "suck it up"... Read more
Published 7 months ago by cutiepie31
5.0 out of 5 stars Here is the method that works !
This book is well written and straight to the point on how to clean up your debt mess. As seen on her tv show, her debt reduction methods work.
Published 9 months ago by sue
5.0 out of 5 stars first saw Gail on TV
First on Princess and then Til Debt Do Us Part. She is inspiring in a take-no-bs kind of way. Watching the show was the push I needed to get rid of my own crappy debt (which was... Read more
Published 9 months ago by Amy McGurk
5.0 out of 5 stars Fantastic book for any finanicial starting point
I love Gail's show and her book is even better. A little bit of it is confusing since its aimed at a Canadian audiance (universal healthcare?). She's smart and no nonsense. Read more
Published 10 months ago by M. Garrett
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