Pay down debt in a realistic (and fun) way.

NS-PF 104 – Living Debt-Free

Course Description

No one wants to be in debt. But life happens and if you’ve got debt, life has happened to you. Whether you have a rolling balance of $2,000 on your credit card or an $80,000 line of credit, debt can be a huge cause of stress—affecting both your emotional and financial wellness.

In this course, you will learn to take control of your finances and pay down your debt in a realistic way that will keep you motivated long enough to see it through to the end. No shame. No blame. No scare tactics. This course is the logistical side of Shannon Lee Simmons’ most recent book Living Debt-Free.

What you get:

  • A REALISTIC plan of attack to tackle your debt once and for all.
  • Membership to a closed and private support group where you can share (if you want) your Debt Story and plan, listen and learn from others and keep each other motivated to see this thing through… especially when the going gets tough. We need each other! This is a SHAME FREE ZONE. It’s all about spreading the Money Love.
  • Access to 3 insanely helpful and fun video tutorials
  • Customizable, easy and nerdy planning tool! (a bad-ass spreadsheet )
    • Can be updated as your life changes (as income increases so should savings)
    • Can be used to track income and expenses
    • Shows you when your goals are doable and when they are not

Shame-Free Membership Group

This is a small (20 person cohorts) closed and private group chat where other people who have similar financial situations to you can share stories, tactics, warnings and truths. We can help to lift each other up and support each other so that we are all better off. Three months membership is included in enrollment. It takes 90 days to form new habits and practice them enough times that it becomes second nature. This group aims to help keep you motivated to stick to your plan even when it’s really hard and seems like you can’t. You’ll also learn a ton of other information that will help you get control of your finances. Monthly webinars on topics that are of interest to the group: Salary negotiation, consumer proposals vs bankruptcy, how your credit report works and more. Webinars and interviews will be recorded and posted on member site.

What Will You Learn?

Module 1: Map That Debt

Let’s rip the band aid off together. Let’s open those statements, log into those bank accounts and figure out where you’re at. It may not be as bad as you think! Often, the fear of not really knowing how much you owe and to who can make it feel scarier than looking it straight in the eye. Like a monster in a scary movie – it’s so much scarier when it’s in your head until you actually see it.

Module 2: Calculating your Magic Amount.

Your Magic Amount is the amount of money that is working to pay your debt down. It’s where the magic happens. But, it has to be realistic! Too many times people set themselves up for failure by making unrealistic and overly aggressive debt repayment plans. “I have to pay this off in 6 months!” or “I will pack my lunch every single day and never buy a coffee again.” Then, inevitably, your plan fails and you feel like you’re bad with money. You’re not bad with money, the plan wasn’t realistic. Make a realistic plan. One that reflects your life and what’s important to you. This is the only way to stay motivated long enough to pay down all your debt and never fall back into the Debt Loop again.

Module 3: Debt Slammers – Pay off debt faster

Learn about ways to consolidate your debt, lower the interest rates and speed up your timeline.

Module 4: Your Debt Game Plan

Bring it all together. This is your plan. YOUR plan. You’ll find out what you need to do each month, payday or year, how long it’s going to take you until you’re living debt-free again and what you need to do to accomplish that.


Pay Down Debt.


Feel Hope.


Stay Motivated.


Sleep At Night.


  • Ability to open excel spreadsheet, PDF documents, online video streaming (aka the Internet)

This course is ideal for

  • Anyone who wants to ensure they make a realistic and effect plan to become debt free and stay that way!
  • Canadians: this course is Canadian specific.

Course Restrictions

  • None
How Long Is This Course
Course material is 90-120 minutes from start to finish
How long is the membership?
Three months is included in the initial enrollment. After that, membership is optional.
Why is it important for me to do this course?
You’ll make it to the end of your debt repayment plan!
Meet Your Teacher

Shannon Lee Simmons

Shannon is a Certified Financial Planner (CFP), Chartered Investment Manager (CIM), media personality, author and founder of the New School of Finance. Simmons is widely recognized as a trailblazer in the Canadian financial planning industry. She recently won Wealth Professional Innovator of the Year. Her first book, Worry-Free Money, is a national bestseller. She is a regular contributor to the Globe and Mail and is a personal finance columnist for CBC’s Metro Morning and The Marilyn Denis Show. Her new book, Living Debt-Free, comes out December 2018.

Shannon has put a dollop of red nail polish on the top right of EVERY SINGLE calculator she’s ever had since high school…… why? We aren’t sure, and neither is she.


  • Please ensure you have read the Pre-Requisites and Course Restrictions for this course before signing up
  • This course is not financial or tax advice. The information in this course is for educational purposes only.
  • The information in this course does NOT replace the information in the Income tax act or its Regulations.
  • For all Quebec residents, the information given in this course is federally oriented and may not take specific tax differences for Quebec into account as Quebec residents may be subject to specific rules that are outside the scope of this course. We invite you to get in touch with us at for more information before you purchase to confirm whether this course will suit your needs.
  • Les renseignements fournis dans le cadre de ce cours concernent surtout le palier fédéral et peuvent ne pas tenir compte des différentes règles fiscales auxquelles sont soumis les résidents du Québec. Nous vous encourageons à communiquer avec nous à l’adresse pour obtenir de plus amples renseignements avant votre inscription, afin de vérifier si ce cours vous convient.

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