Showing posts with label Newstalk1010. Show all posts
Showing posts with label Newstalk1010. Show all posts

Monday, February 11, 2013

Meeting Gail Vaz-Oxlade


I finally met Gail! 
I cannot believe all the good things that have been happening lately! I am officially only $1,200 (yes 12 HUNDRED, not thousand) away from paying off the last of my debt! That means that I am 8 months ahead of schedule and saving tons of money in interest charges.  I'm not going to lie to you and say that this process has been easy, in fact it has been a lot of work. This took a lot of fundamental changes in my life to get me to the point where I am today, but holy $hit, it feels incredible. As of this Wednesday, I will make my very last payment on my debt. That means in two days, I'm not going to know what to do with myself. What am I going to write about? Will people still read my blog? Looking at my latest statistics, I have now had over 21,000 views of my musings, and I'm averaging over 1000 reads per month. The best part is that I am hardly even writing anything and people are still tuning in and finding me and (hopefully) their own inspiration!

Speaking of inspiration, those of you who follow this blog will know that I follow the teachings of the lovely Gail Vaz-Oxlade, Canada's #1 financial guru, author of several best-selling books, star of a handful of TV shows, and host of her very own radio show on NewsTalk1010 (which she interviewed me on). Getting to talk to Gail was an absolute dream come true, so you can imagine how thrilled I was to finally MEET my favourite person in real life! Gail was in town two weeks ago to give a lecture at my alma mater, OttawaU and while she was killing time, she stopped to sign her new book "Money Rules". Obviously I took the entire day off to make sure that I would not miss an opportunity to pick up her new book, get it signed, AND meet her in person.

Gail is just like how she is in the media: personable, friendly, hilarious, and gorgeous; much like myself. When Gail arrived at the bookstore, I got goose bumps. There I was, mere footsteps away from my hero and I mere moments from peeing myself with excitement. Gail sat down and greeted the crowd and started signing the books. When it was my turn in line, I turned into a pile of nerves, standing with my boyfriend's gigantic camera and looking like some kind of obsessed paparazzo.  Gail said hello to me and then my mouth suddenly started pouring out all sorts of verbal diarrhea as I blathered on about my blog AND how she interviewed me on her radio show AND how she changed my life, blah blah blah, then amidst the crazy talk I somehow managed to half-throw my glove at my book as she was signing it. Yes, I made myself look like a huge creepo weirdo with Gail. I felt like I was not at my best that day and you can tell from the slightly awkward smile on Gail's face that she didn't quite know what to make of me.

In the end, Gail was fabulous. When I thanked her for all the valuable lessons she taught me, she said to me that I need to make sure to thank myself because I did all of the work and she merely gave me the tools to make it happen, and as usual, she was right. I had one of the staff members take our photo with my boyfriend's giant SLR camera and out of concern that I didn't get a good shot Gail even offered to retake the photo. She really was a class act, and I felt like the longer I was there, the more awkward and weird I would come across, so I didn't want to oblige her to take another photo and said my good-bye. Gail and I shared a final glance as she said "Take care".

Just like that, it was over. I had a whirlwind encounter with a person that I owe so much too. As I walked away, I could hear Gail's laughter fade with each step toward that neon EXIT sign. I stepped out the door into the rain and began my walk home. I felt like I had hit the highest point I ever was going to get to in this whole process and it really felt like a dream. I talked to Gail, I touched Gail, and I had my whole world flipped upside down by this Jamaican wonder woman. As I trekked through the icy streets, I stopped and grabbed some takeout because I know, I fackin' earned it!  

Thank you Gail! I will continue to spread the word! 

Monday, September 10, 2012

John on the Radio - TONIGHT!!


Gail Vaz-Oxlade, host of the TV shows Til Debt Do Us Part, and Prince$$ is mentioned a lot in my blog. She has been my Financial Guru and it’s her tools that I applied to get me out of the red. Last September, Gail “tweeted” about my blog which I had no idea about since I didn’t use Twitter! My friend Inez tweeted back to Gail that she should have me on her show, and now I have been asked to be a featured guest in her “success stories” portion of her radio show.

All this happens tonight on Toronto’s Newstalk 1010 at 10:25 EST tonight! You can listen to the whole thing live by clicking here (http://www.newstalk1010.com/) and then clicking on the Red Square that says “Listen Live”. You might want to test this out beforehand to make sure you don't need to install flash or something like that.

Don’t worry if you miss it, the whole thing will be recorded and posted (commercial free) by tomorrow morning.

Thanks for the support!

John

Monday, June 25, 2012

Close Encounters of the GAIL kind


Gail, soon to be hosting "yours truly"
 Welcome back my loyal readers! This weekend I started my first shift at my new second job as a receptionist at the yoga studio. That's right, I'm finally on the payroll! Now if only I could find some time to do yoga... The best thing about having a second job is that now I have some kind of backup plan in case my job goes south. These times are certainly uncertain for so many people, so I want to make sure that I have a plan in place to keep the bills paid around here!

And speaking of bills, I managed to rack up a hefty credit card bill this month (close to $900) so that I could get out and spend during my staycation. Good thing I have another source of income to help me get this debt paid off a little quicker! Sorry, I'm kind of being a bit of a tease now! I know that most of you are tuning in to hear about my fantastic news! 

Today, I almost peed my pants with excitement! Not only did Gail tweet back to me about getting the author of the book I was reading on her radio show this week, I got an email from her office after I wrote a little email to Gail Vaz-Oxlade about my "story" and what I have been doing to get my debt paid off.  It went a little something like this (yes I did a little bit of copy/paste from my blog):

From: John
Date: Wed, Jun 20, 2012 at 11:11 PM 
Subject: John's Bio
To: 
Gail

Hello Gail!

My friend Inez sent you a tweet that I should be on your show and then you asked for me to send you my biography, so here it is!

My name is John; I'm 29 years old and I currently live in Ottawa with my partner Rob. In October, 2010 I began to tackle my debt and have been blogging about it ever since. Your book; Debt Free Forever has
been my debt repayment bible and I always sing your praises. I had tried budgeting in the past and had zero results. It got to the point that I had stopped opening my bills, especially my credit card bill. I was receiving letters from Student Loans almost every month to tell me that I missed a payment (it's only $107.99 a month)! I couldn't understand what I was doing wrong. At 28 years of age, I came to the harsh realization that I was almost $40,000 in debt!

How the did I get nearly $40,000 in debt? Here’s how: In 2002, I decided to go back to school and take a course on web design. My choice to go to school came with a hefty price tag of $14,000 for a 1 year course. Out of school a year later, I worked my butt off and got my debt from school paid down from $14,000 to $8,500. I was really on track to becoming debt free. Web design didn't make me any money, so I decided to go to school without any financial assistance. Thanks to my (former) amazing credit history, I had been approved for 3 credit cards, an American Express, and Ikea Credit Card, and a MasterCard. I was always paying off my balances in full for the Amex and the MC, but I forgot about the balance on my Ikea card and got taken to collections over $300! I was so mad since I had never received a bill from Ikea. I quickly cancelled my Amex after that and stuck to one card – my MasterCard. When I first got the card, I started off with a limit of $1,500. In the end, that limit was at $15,700!! The interest rate on this card was a disgusting 19.5%! And to top it off, I fell for their stupid “balance insurance” scheme which made my balance climb higher and higher! I had that idiot insurance for years. Combine that with last minute emergency flights home and using my credit card for crap and restaurants, my current owing on my MasterCard is a disgusting $14,581.45 in credit card debt!!

As with most students, I built up more debt when I went back to school. I was living in an apartment I couldn’t afford on my own; eating at restaurants like I had been debt free forever; and flying home whenever I felt like it without any paid vacation and paid for nothing with my own money. Over my time as a student, I hit $4,991.57 (out of $5000) on my regular line of credit (10.5% interest), took out another $9,174.74 (out of $10,000) on my student line of credit (4.5% interest), and after paying down all the interest on my previous student loan it remained at $8,445.36. Add it all up and we’re talking $37,193.12 of debt!

I really didn't know what to do until I found your shows and your amazing book. I set out to pay everything off in 3 years on an income of less than $50,000 per year, and I have been doing it very successfully. As of today, I have paid a whopping $23,593.84 (or 62.4%). That's all been done in a matter of 19 months! Now I only have $14,216.67 to go!

You truly have been an inspiration for me Gail. Not only have you been helping me get my debt under control, this process is having a domino effect on my friends' lives as well. They too are inadvertently saving money because I have the power to say no to expensive nights out and am able to come up with cheap sources of entertainment with the same or higher level of enjoyment that we had before.

If there is any way that I could be on one of your shows to share my story or even if you wanted me to write a guest post on your blog, I would be beyond excited! I recently found out that you tweeted about me and I was ecstatic (it was the post with the Gail heads).

If you want to know more about me and how I got to where I am, my bio on my website is here:http://fightforfinancialfreedom.blogspot.ca/p/about-john.html

And here are some posts that give you a taste of how I am getting my debt paid off:

My new Roommate, Gail:
http://fightforfinancialfreedom.blogspot.ca/2010/10/my-new-roommate-gail.html
Going Anal over my Analysis:
http://fightforfinancialfreedom.blogspot.ca/2010/10/going-anal-over-my-analysis.html

I hope you like it Gail! Sorry for the long email, I don't know where you find the time!


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To which Gail's assistant Tracy responded today:

Hi John...I am Gail Vaz-Oxlade's Admin Assistant and we would like to book you on her radio show "News1010" to share your story.  Are you available on September 10th at 10:25pm EST for an on air interview?

Tracy
Administrative & Marketing Assistant to Gail Vaz-Oxlade

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And obviously I said (with a BCC to Inez):

Hi Tracy!

I would be honored to be on the show. Do you guys need me to be there in person or would I call in? I would be willing to do either. How long is the interview? 

This is such a cool opportunity, I can't wait to chat with Gail. 

Thank you

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Then Tracy swiftly responded:

Hi John...the interview would be about 30 minutes with commercial breaks in between.  We would call you at a specified number (landline preferred, or cell phone if that is all you have) around 10:20pm EST so please send me your numbers.

What we would like you to do is answer the following 4 questions and send them back to me.  Gail will prep for your interview from these questions:

1.  Where you were:

2.  What you did:

3.  Where you are now:

4.  One tip you have for listeners:

Thanks and we look forward to having you on the show.
https://mail.google.com/mail/images/cleardot.gif

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I haven't responded yet, but holy guacamole! I cannot believe that I will ACTUALLY be talking to Gail. I had my doubts in the beginning that maybe she would find my story a bit "too much of the same thing" but it turns out that I had nothing to worry about. This isn't an actually meeting with Gail, but it's pretty darn sweet at the same time.

Also, how does one get to be Gail's admin assistant?! I want that job! Maybe she needs an Ottawa admin or a fabulous gay sidekick. It seems to be standard for almost every other reality TV show that I see!  Part of me wants to ask Tracy if she's planning to take any maternity leave or something in the future...

Ok, that's enough of me being crazy and sounding like a squealy girl at a Beiber concert!

AH! So Happy!