The Debt-free Lifestyle

The Debt-free Lifestyle

A Strategy for the Average Canadian

Book - 2016
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Midpoint Books

Financial advisor Christine Conway is a partner at Braun Financial Services in Vancouver, B.C. She moved with her husband to Vancouver from Winnipeg, and knows from personal experience how to cut debt by $150,000 in six years, and still live in a home she owns.

If you are living on an average Canadian income of $80,000, how can you afford to buy a home and start saving for retirement, even in a city like Vancouver with the richest real estate in the country? This is the question that every average Canadian is asking these days, especially in Vancouver where the most homely bungalow is selling for well over $1 million.

Vancouver-based financial planner Christine Conway shows you how to do it. Speaking from her own experience living in Vancouver and with the expertise of a certified financial planner, Conway lays out a plan that an average Canadian can follow. The key is to pay down debt quickly, and avoid mounting interest payments that can exceed the original value of the home.
This book is crammed with useful tips for anyone who feels pinched as they try to handle mortgages and credit card payments. Among other things, Conway suggests people should spend 15 minutes a week on their budget, pre-pay mortgage payments, and pay off the most expensive debts.

Publisher: Toronto : Barlow Books, [2016]
Copyright Date: ©2016
ISBN: 9781988025070
Branch Call Number: 332.02402 Con
Characteristics: 188 pages : charts ; 23 cm


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Jan 27, 2017

This book is great for an entry level person who wishes to learn about budgeting, investing, mortgages etc.

SPL_Robyn Jan 23, 2017

Reviewed in the Stratford Gazette Jan 26, 2017


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SPL_Robyn Jan 23, 2017

By now most Canadians have opened their post-Christmas credit card bills and if you have not been of the majority to gasp in dismay, congratulations, you probably do not need this book. However, according to report released by CIBC in late December*, nearly half of Canadians are not on top of their bills, and less than a third say that paying down their debt is a top priority in 2017.

Christine Conway (CFP, CHA) hopes to help average Canadians alleviate their debt - and the anxiety that goes along with it - in her simply organized financial guide. She leads off relating how she and her husband struggled in their first jobs while living in metro Vancouver, one of the most expensive areas in which to live in Canada. Her claim is also simple – if she and her husband, making a living wage when they were starting out – could not only manage their debt but reduce it while living in Vancouver, well… anyone can, and that is a comforting thing to know. Using other average scenarios Conway illustrates both the cons and pros of debt, and explains the ins and outs of mortgages, retirement saving and most importantly, budgeting; budgeting that is simple enough to do in 15 minutes after a pay-cheque comes in, yet effective to use for debt management and reduction.

Does this leave room for big-ticket items like homes, vehicles and travel? Conway insists this depends on your own values, and her concise explanations and illustrative anecdotes leaves room for individuals to find clear paths to these too – yes, there may be sacrifices, she explains, but your goals are as unique as you are, and if well-defined there should be no obstacles in obtaining them. It all comes down, she contends, to your power to choose – and that is a powerful thing.

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