Copyright

© 2010 Rogers Publishing Limited

All rights reserved. No part of this work covered by the copyright herein may be reproduced or used in any form or by any means—graphic, electronic or mechanical without the prior written permission of the publisher. Any request for photocopying, recording, taping or information storage and retrieval systems of any part of this book shall be directed in writing to The Canadian Copyright Licensing Agency (Access Copyright). For an Access Copyright license, visit www.accesscopyright.ca or call toll free 1-800-893-5777.

Calculations and projections included in the text are for demonstration purposes only. They are based on a number of assumptions and consequently actual results may differ, possibly to a material degree. Readers are advised to seek advice regarding their particular circumstances from their personal financial, tax, and legal advisors. Any use of the information in this book is at the reader's discretion. The author and the publisher specifically disclaim any and all liability arising directly or indirectly from the use or application of any information contained in this book. An accountant or other appropriate professional should be consulted regarding your specific situation.

Library and Archives Canada Cataloguing in Publication Data

Vermond, Kira

Earn, spend, save : the savvy guide to a richer, smarter, debt-free life/by Kira Vermond.

Includes index.

ISBN 978-0-470-67654-7

1. Women—Canada—Finance, Personal. I. Title.

HG179.E37 2009 332.0240082'0971 C2009-905898-7

Production Credits

Cover design: Philina Chan

Interior design: Ian Koo

Typesetting: Pat Loi

Front and back cover photo: Istockphoto.com

Printer: Friesens

John Wiley & Sons Canada, Ltd.

6045 Freemont Blvd.

Mississauga, Ontario

L5R 4J3

Printed in Canada

1 2 3 4 5 FP 13 12 11 10 09

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