All Three Canadian Guides + 2 Bonus Volumes

272 pages across 5 books. Instant download.

Bought one at a time the three guides are $81. Together they are $47 — and two companion volumes come free on top, sold nowhere else at any price.

All ten provinces and all three territories. Every figure checked against a government source in 2026.

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BOOK 1 — CUTTING ENERGY BILLS

84 pages, 15 chapters

Introduction: Why This Bill Hits Harder After 50

1. Where Your Money Actually Goes

2. Read Your Bill and Find Your Starting Point

3. The Rule That Changes Everything After 50

4. Twenty Habits That Cost Nothing

5. What to Fix for Under $500

6. Insulation — What's Worth It, and What Isn't

7. Windows and Doors — What the Salesman Won't Tell You

8. Heating — Replace Now, Wait, or Run It Till It Dies

9. Hot Water — The Second-Biggest Line on Your Bill

10. Electricity, Appliances, and the Rate Plan Trap

11. Solar Panels and Home Batteries — Does It Pay After 60?

12. What Governments and Utilities Will Pay For

13. How Homeowners Get Taken — and How Not To Be One

14. If You're Selling or Downsizing

15. Your Plan

Appendix A: Quick Reference

Appendix B: Questions for Any Contractor

Appendix C: Glossary

Appendix D: Where to Check Before You Spend

Appendix E: Sources

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BOOK 2 — CUTTING GROCERY BILLS

53 pages, 12 chapters

Introduction: The Bill That Went Up While You Weren't Looking

1. Where Your Food Money Actually Goes

2. Find Your Number

3. The Rule That Beats Every Coupon

4. Twenty Things That Cost Nothing

5. The Store Was Designed Against You

6. Are the Loyalty Cards Worth It?

7. Where to Buy What

8. Meat and Protein After 50

9. The Freezer Is a Money Machine

10. The Money You Throw Away

11. Eating Out Without Breaking the Bank

12. If the Money Doesn't Add Up

Appendix A: Your Food Spending Worksheet

Appendix B: Your Price Book

Appendix C: Where to Check Everything

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BOOK 3 — CUTTING HEALTH COSTS

74 pages, 15 chapters

Introduction: The Bills Your Provincial Plan Doesn't Pay

1. What Actually Comes Out of Your Pocket

2. Find Your Number

3. Your Province's Drug Plan, and What It Actually Pays

4. The Same Medicine, for Less

5. Dental — the Plan That Changed Everything, and the Trap Inside It

6. Eyes

7. Ears

8. The Ambulance Bill

9. The Credit Almost Nobody Claims Properly

10. The Credit Worth Ten Years

11. Private Insurance After Work Ends

12. Leaving the Province, and Leaving the Country

13. Physiotherapy, Mobility and Equipment

14. Home Care, and the Cost of Staying Put

15. If You Cannot Afford It

Appendix A: Your Annual Health Cost Worksheet

Appendix B: Your Coverage Record

Appendix C: The Questions to Ask

Appendix D: Where to Check Everything

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FREE BONUS 1 — WHAT TO SAY: THE CALLS AND LETTERS

22 pages

You find the program in one of the guides. Then you have to phone, and that is where most people stop. This is the script.

Before You Dial

1. The Calls That Claim Something

2. The Calls That Reduce a Bill

3. The Letters

4. Keeping the Record

Twelve phone calls and seven letters, written out word for word — how to open, what they will ask you, and what to say when the first answer is no.

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FREE BONUS 2 — THE MONEY NOBODY APPLIES FOR

39 pages

Some benefits only start when somebody fills in a form. Nobody telephones to tell you.

1. The Money That Waits to Be Asked For

2. Old Age Security — the Door Everything Else Opens From

3. The Guaranteed Income Supplement

4. The Two Allowances, for Ages 60 to 64

5. When Your Income Drops — the Estimate That Fixes It

6. When a Spouse Dies

7. Your Province, One at a Time

8. The Three You Can Miss Entirely

9. The Order to Do It In

Appendix A: All Thirteen, Side by Side

Appendix B: Every Form and Every Number

Appendix C: Where Every Figure Came From

What each one pays in 2026, the income line you have to be under, whether it arrives on its own or has to be claimed, and the number to call. Ottawa first, then every province and territory.

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Not sold separately. The bundle is the only way the two bonus volumes reach you.

PDF. Opens on any computer, phone or tablet. Yours to keep.