Our first guest is Gail Vaz-Oxlade who says it’s time to “stop whining about being in debt, you had your fun, you made a mess, now it’s time to clean it up, get busy.” She provides a four step plan for cleaning up your debt mess.

In our second segment Ted Michalos returns, and we consider the case of Mary and Joe, who have a good income, but have more debt than they can ever hope to pay off on their own. We discuss how a consumer proposal can help them clean up their debt mess.

Their options for dealing with debt, but it takes a plan, and the sooner you start, the sooner you will be debt free.