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IT BEGAN AS CONVERSATIONS IN MY FINANCIAL PLANNING OFFICE

I see them every day: good, hardworking people with budgets that are stretched to the limit trying to balance the increasing costs of living with creating the best life possible for their families. They come from all walks of life, often overwhelmed and not knowing if they’re doing enough to one day get out of debt and prepare for a comfortable retirement. With interest rates at historic lows, they may have qualified for a large mortgage – and with all the associated costs around housing, their budget is pushed to the max. Or, they may have refinanced a few times, but to keep their payments low the length of their mortgage was extended – meaning they now face a retirement with mortgage payments.

 

Debt and retirement are the two biggest challenges facing Canadians today, and The Debt-Free Lifestyle was written to show Canadians how to get out from under their debt load, pay off the mortgage sooner, saving money in interest that can now go into their own pockets for retirement.

 

THE DEBT-FREE LIFESTYLE CAN HELP

The Debt-Free Lifestyle shows you how interest rates impact affordability and what that means for your mortgage payment. You will also learn:

 

• How to build a lifestyle you love with your Big Decisions and Budget Decisions – that will allow you to save for the future and prepare for a comfortable retirement.

 

• The Simple Budget: a 15 minute exercise to use every time you get paid to keep your finances on track.

 

• When interest rates rise, your mortgage payment can increase. Depending on the size of your mortgage, and the term you have when they do, this could add hundreds of dollars to your monthly payment over the mortgage’s twenty-five year lifetime. Take steps to protect your pocketbook against increasing costs.

 

• How the very structure of your mortgage can work for you, potentially saving you thousands of dollars in interest costs and time. Then when you finish your mortgage early, you can redirect the money that had been going to your mortgage into your savings for retirement – supercharging the amount you are able to save.

 
Whether you’re planning on buying a home, having an existing mortgage, or are wanting to retire, but are not sure if you can, The Debt-Free Lifestyle was written for you.

Imagine what it would be like to be debt-free:The freedom to choose how to live and where to work. But with the cost of living increasing and house prices at record highs, this may feel like an impossible dream.

Darrell Ross

"The Debt-Free Lifestyle is a must read for anyone who has a mortgage, or who wants a mortgage and also aspires to be debt free. Christine's understanding and clear no nonsense explanation of what for most people is their biggest debt definitely gives readers the information they need to reach financial success.”

Darrell Ross

Contributing author to the New York Times Best Seller, "Masters of Networking"

2016-10-20T05:36:05+00:00

Darrell Ross

Contributing author to the New York Times Best Seller, "Masters of Networking"

"The Debt-Free Lifestyle is a must read for anyone who has a mortgage, or who wants a mortgage and also aspires to be debt free. Christine's understanding and clear no nonsense explanation of what for most people is their biggest debt definitely gives readers the information they need to reach financial success.”

George Stroppa

"Christine has made the pros and cons of debt easy to understand. A must read for anyone trying to get a handle on their personal finances"

George Stroppa

Dean
Faculty of Commerce and Business Administration
Douglas College

2016-10-20T05:37:34+00:00

George Stroppa

Dean
Faculty of Commerce and Business Administration
Douglas College

"Christine has made the pros and cons of debt easy to understand. A must read for anyone trying to get a handle on their personal finances"

enjoy a debt-free life.

All too often, we buy homes that saddle us with 25 years of mortgage debt, making it extremely difficult to save enough money for our retirement or enjoy a debt-free life. It doesn’t have to be that way. The Debt-Free Lifestyle shows you how to manage your finances so that you can reduce your debt as quickly as possible and achieve your financial goals.

Christine Conway, a partner at Braun Financial Services, has done it herself. Beginning with a family income of $78,000, she and her husband have put over $150,000 toward their debt in six years—in the rich housing market of Metro Vancouver. Now they’re on track to being completely debt-free in their thirties. This book will show you how you can do it, too.