901: Dawn & Kelly Dream House DisasterTue, Jan 29 2PM EST
Dawn and Kelly bought their dream house in the country. But after borrowing money to make their down payment, they were totally unprepared for double financial hit of a sudden drop in income and the high costs of heating their home in the winter. These two have found themselves spending more than 50% of their income just to keep a roof over their heads, and their debt just keeps growing. Neither of them want to consider selling the home they love, so it's up to financial expert Gail Vaz-Oxlade to challenge them to consider all the possibilities. If Dawn and Kelly can find a way to make sacrifices to stay in the home they love, Gail will reward them with $5,000 to help get them out of the hole.
902: Tara & Adam King Of The CastleTue, Jan 29 2:30PM EST
When Tara met Adam, she thought she'd found a prince with his very own castle. But after moving into to his house, she quickly discovered that the financial demands of home ownership were more than either of them bargained for. Now this couple are frantically trying to keep afloat as they juggle the mortgage, property taxes, utilities and maintenance with their debt repayment. There just isn't enough money for everything. It's up to Gail Vaz-Oxlade to show these two that selling the house may be their only option to get out of debt. But will Tara and Adam have what it takes when it comes to making the money they need to fix the house and maintain its value? Their home “ and their relationship “ is on the line as they work together on Gail's challenges.
903: Leona & Mohamed Dream House, Nightmare DebtWed, Jan 30 2PM EST
Mohamed and Leona spent the past year renovating their century home and they did it all with credit. They indulged their extravagant tastes and now they've got $100,000 worth of debt. With no safety net and no hope of starting a family, they need to find money to do necessary repairs and come up with a plan to pay down their debts before disaster strikes and they lose everything. Both say selling the house would break their hearts “ enter financial expert Gail Vaz-Oxlade. She gets these two talking about their nightmare debt so that they can keep their dream home.
904: Shelly & Luke Playing With PropertyWed, Jan 30 2:30PM EST
Shelly aspires to one day owe a million dollar in mortgages. She's convinced husband Luke that buying rental properties is the key to their financial future. But while the idea might be sound, they haven't done the basic financial homework before acquiring any of the out-of-town properties they own. Now they spend tens of hours each week travelling to deal with their tenants, and their personal spending is in shambles. Host Gail Vaz-Oxlade has some harsh news for these two when it comes to the financial realities of their real estate empire. If they want to make the most of their investments, Shelly and Luke will have to complete Gail's financial challenges, and find a way to get their debt paid off for good.
905: Susie & Alan The Grass Is Always GreenerThu, Jan 31 2PM EST
When Susie and Alan's family began experiencing major growing pains in their condominium, they decided to upgrade to a 4-bedroom house. But they didn't anticipate just how much more a detached house would cost. Now after only two and a half months in their new home, they're wondering how they'll afford to keep it. After biting off more than they can chew, Susie and Alan are lost. Host Gail Vaz-Oxlade arrives with a plan. Gail challenges them to downsize their spending “ because if they don't, they'll have to downsize their house.
906: Karyn & Mark Catering To CatastropheThu, Jan 31 2:30PM EST
After being in their home for four years, Karyn and Mark decided to refinance so they could consolidate their consumer debt and put in a $40,000 catering kitchen. Now this couple owes more on their home than they paid for it in the first place. Even worse, the catering business isn't bringing in enough to cover the costs of the increased mortgage. And with Mark working overtime to support his family, he doesn't have the time to do the repair jobs around the house that Karyn won't touch. Gail Vaz-Oxlade has cooked up a plan to get them off the catastrophic track they're on so they can start putting some much needed dough towards their mortgage and debt. But Karyn has to pick up some major slack in order for this family to succeed.
907: Shannon & Pete Mortgage Meltdown
Shannon and Pete consolidated their debts into their mortgage, but now their consumer debt is creeping up again. In the midst of the struggle to manage it all, Shannon quit her job. Now they have only one income and there's no way to pay both the mortgage and the maintenance on their home. And they have no idea how to get out of the mess they've made. They're at risk of losing the roof over their heads “ and their relationship. Host Gail Vaz-Oxlade tries to get them both back on track.
908: Lisa & Sean Growing Family, Shrinking Budget
A series of bad financial decisions in their youth compounded with back-to-back maternity leaves have left Lisa and Sean's finances on the verge of catastrophe. These young parents fill their small home with piles of children's toys, clothing and DVDs, while their debt grows deeper and deeper each day. Enter financial guru Gail Vaz-Oxlade, who challenges Lisa and Sean to ditch the denial and work together to manage the expenses, home and children they already have before even thinking about adding to the family. Gail will have to work fast, or Lisa and Sean may never be able to afford the family home of their dreams, or, more importantly, the children they hope to fill it with.
909: Courtney & Chad The Trouble With Twins
When Courtney and Chad had beautiful twin girls, they weren't ready for the not-so-beautiful reality of incurring double the costs to provide for their children, or the almost $70,000 in debt they would accumulate over Courtney's maternity leave. Between Courtney's penchant for adorable baby clothes and Chad's smoking habit, and without an emergency fund to cover unexpected costs, their financial future is looking grim. It's up to Gail Vaz-Oxlade to help these two to break their bad habits so the twins won't have to grow up doing without. If Courtney and Chad are up for the challenge, they could earn up to $5,000 to put toward their family's future. If they aren't, their hopes and dreams for the twins could go up in smoke.
910: Celine & Ron Due Date With Debt
Celine and Ron love living large. When they're not jet setting to tropical islands, they spend their free time shopping, playing high stakes card games with friends, and, since neither can cook, eating out at expensive restaurants. None of this seemed like a problem before Celine got pregnant. But now, this couple is finally realizing how financially unprepared their lifestyle has left them for a new baby. Gail Vaz-Oxlade's message to this young couple is clear: grow up “ fast. With a baby due in less than two months and maxed out credit cards on both sides, this couple needs a solid plan if they want to keep a roof over their heads, or food in their baby's belly.
911: Darlene & Scott Buy Buy Baby
No matter how much Scott pleads with his partner Darlene, she simply refuses to take responsibility for her shopping problem. With three kids and a home daycare business, Darlene justifies her exorbitant spending on baby items as necessary, despite the piles of new clothing and toys that sit unused in closets, tags still attached. Each month, 95% of this couple's joint income is spent on "stuff. With the revelation that Darlene's shopping habit has gotten so extreme that she's taught her children to lie about purchases she's made, Scott feels completely out of control. It's up to Gail Vaz-Oxlade to restore balance to this family's finances, and to their relationship, before the damage done is irreparable.
912: Melanie Single By Choice
Melanie, a single mom who conceived via donor insemination, is raising her son on a maternity leave income. Melanie loves her new baby, but she also loves her sports car, her motorcycle, her vacations and her almost daily takeout meals. Melanie didn't crunch the numbers before going on maternity leave, and is now horrified to learn that her current income doesn't even cover her mortgage and car payments. Melanie's impulse spending, on her baby and on herself, has her on the road to ruin. Melanie wants to stay home with her son more than anything, and Gail Vaz-Oxlade gives it to her straight: unless Melanie makes some drastic financial and lifestyle changes, she'll have to go back to work early just to stay afloat. Melanie has to decide what's more important: her son¦ or her sports car?
913: Jaclyn & Richard The S.a.h.d Truth
After a year of unsuccessfully trying to conceive naturally, Jaclyn and Richard racked up thousands in fertility treatment costs on credit before becoming pregnant with their son Mac. Their debt piled up when Jaclyn's maternity leave reduced her regular monthly take-home pay by 55%, but Richard still plans to become a stay at home Dad. Neither Jaclyn or Richard are willing to give anything up to make ends meet. Host Gail Vaz-Oxlade breaks the difficult truth: if they don't stop encouraging each others' reckless spending and instead start working together to manage their finances, this couple's future may be filled with a big debt instead of the big family they've always wanted.
914: Tracey & Dan A Family At Any Cost
After years of struggling with infertility issues, Tracey and Dan finally welcomed their baby girl into the world by surrogate. These parents spent over $120,000 in the process of conceiving their daughter, most of which was borrowed after Dan lost his job and their household income was greatly reduced. Now, with Dan working three jobs and Tracey on parental leave, they're struggling to pay their over half a million dollars in mortgages “ but that's not stopping them from planning for another costly surrogate process, or talking about early retirement. It's up to host Gail Vaz-Oxlade to teach Tracey and Dan that they can't have their cake and eat it too. If they don't start planning for their future, this couple will be faced with over a million dollars in debt, and no savings to provide the life they want for their child, or the retirement they want for themselves.