Gail Vaz-Oxlade

The host of the television program "Til debt do us part" presents a 5-step program to analyze spending, plan a budget, change old habits, eliminate debt, and create a savings plan for the future.

As a parent, you want the best for your kids. You work hard to provide them with every advantage. You want them to be safe, smart and healthy. Yet when it comes to money, it's a whole different story. If you're like most people, you'd rather run a mile through a desert with a camel on your back than talk about money with your children. Are you going to follow in your parents' footsteps, keeping financial matters a deep, dark secret? Or do you want...

At only 21 years old, Neelam's alienating family and friends with her cavalier attitude towards money and debt. She dreams of a glamourous career in television or fashion, preferably in front of the camera, but isn't interested in the hard work it's going to take to get there. In the meantime, Neelam works in debt collections – an industry she's very familar with since she has thousands of dollars of outstanding bills in collections herself.

25 year old Princess Nicole's fiscal problems have become a major issue for everyone in her life. Her mom bails her out every month. Her younger sister hides her credit card because Nicole won't stop pestering her to use it. But the one most affected by this Princess' self-centred spending is her 9-year old daughter Keowa. Keowa spends most of her time at Grandma's, who ensures that Keowa has enough to eat.

Princess Kezia wants to lead the glamorous life of a princess on the salary of a pauper. The 24 year-old spoiled make-up artist owes credit card companies, relatives and her boyfriend over $20, 000 and not only feels entitled the money, but has no intention of ever paying them back. Kezia has been living on someone else's dime for a long time, but now the party's over.

With a fiancé who adores her, Princess Ashley knows how to get what she wants. Using guilt trips, manipulation and outright lies, Ashley's convinced her fiancé Kyle to go into debt to keep her happy – but now he's at a breaking point. Money is the number one issue in their budding relationship. Even though Kyle is covering the living costs, food and vacations Ashley is still racking up over $1,050 of cash advances from her credit card per month...

Princess Krista is a self-confessed "drama queen" and "shopaholic". Husband Ryan agrees. In their 14 years together, she and Ryan have separated three times over Krista's spending problems. Recently she left her husband because she couldn't bring herself to tell him that she'd once again racked up their credit cards and line of credit. They temporarily reconciled after she finally came clean, but the couple is $60,000 in the hole.

30-something Nicola is an aspiring singer. For the past year, Nicola has been living a fabulous lifestyle, being wined and dined, taken on vacation and living in a comfortable home with her Lothario boyfriend. While he was busy footing the bills, Nicola worked only sporadically and spent the rest of her time daydreaming about becoming a vocalist. She hasn't done much to further her career in music, but in the meantime, she doesn't want to take a job...

Cortney may lack the fake tan, designer clothes and extensions characteristic of the typical Princess, but beneath the crunchy façade there lurks a royal pain who takes advantage of friends and family to fund a lifestyle that is well beyond her means. Cortney has a "relaxed" attitude towards money – especially other people's – and her philosophy of "It all comes out in the wash" is rubbing friends and family the wrong way.