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PODCAST

Debt Free in 30

Each week Doug Hoyes talks to industry experts about debt, money, and personal finance. Don"t be confused; listen as the guest experts cut through the jargon and share practical advice.

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All Episodes

32:45

534 – How to Stay Motivated While Paying Off Debt

Debt Free in 30 ·

2024/11/23

Struggling to stay motivated while repaying debt? You're not alone! Charlie Kovacs, BIA Insolvency Counselor with Hoyes Michalos, joins Debt Free in 30 to share practical strategies to help you stay focused, celebrate small victories, and shift your mindset from guilt to empowerment. Whether juggling student loans, tackling "life quakes," or just figuring out how to prioritize debt, this episode offers expert advice to keep you on track. Sign up for the monthly Debt Free Digest HERE Hoyes

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36:39

533 – What Happens If You Can’t Pay Your Mortgage –...

Debt Free in 30 ·

2024/11/16

If you’re a homeowner in Canada, you can’t miss this episode! Canadian homeowners are increasingly facing the tough reality of missed payments and rising financial pressures. Licensed Insolvency Trustee Scott Terrio joins Debt Free in 30 to unpack the potential warning signs of mortgage trouble, troubleshoot possible solutions, and provides guidance on how to handle worst-case scenarios. Timestamps: (1:25) – Canada is at the beginning of a mortgage crisis (3:50) – Early warning signs of

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30:17

532 – Financial Fitness Check: How to Assess Your...

Debt Free in 30 ·

2024/11/09

How do you know if you're financially fit? Doug Hoyes and Ted Michalos break down the essentials of financial "fitness", covering the importance (or unimportance) of positive net worth, stable cash flow, emergency funds, retirement planning, life insurance, budgeting, and more. This episode is packed with expert insights to help you evaluate your financial health and make informed decisions for a financially “fit” future. Timestamps: (0:45) – Ted Michalos on Financial Literacy Month (2:00) –

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33:09

531 – Why Popular Budgeting Techniques Don’t Work

Debt Free in 30 ·

2024/11/02

Ready to break all the budgeting rules? This episode is a lively debate that flips the script on traditional money management. Doug Hoyes isn’t holding back on his opinions about the Government of Canada’s “Financial Literacy Month,” challenging its effectiveness and taking a skeptical eye to the budgeting advice we’ve all heard before. Maureen and Doug discuss outdated budgeting norms, explore innovative approaches, and provide expert-backed tips for rethinking your money strategies. Join the

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30:43

530 – How To Use Credit Cards to Boost Your Credit Score

Debt Free in 30 ·

2024/10/26

How much do you really know about the impact of credit cards on your credit score? Doug Hoyes and Ted Michalos bust common myths and reveal the true influence of credit cards on your financial health. Learn how credit scores work, get expert tips on managing your credit responsibly, and explore strategies to improve your credit standing. Whether you're new to building credit or refining your approach, these actionable insights will empower you to make smarter financial decisions. Timestamps:

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29:45

529 – Good Debt vs Bad Debt: How to Know When Debt is...

Debt Free in 30 ·

2024/10/19

Is all debt bad, or can borrowing sometimes be a smart financial move? Doug Hoyes and Ted Michalos discuss debt’s dual nature as both a financial tool and a potential burden. They break down the differences between "good debt" and "bad debt," providing clear advice on assessing what's manageable, when taking on new debt might be a smart move, and how to avoid common pitfalls. Tune in for actionable insights on leveraging debt without letting it control your financial future! Timestamps: (0:00)

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34:25

528 – Illegal Debt Collection Tactics: Know Your...

Debt Free in 30 ·

2024/10/12

Back by popular demand: Canadian credit collector Blair DeMarco Wettlaufer! Even if you’re not currently dealing with prohibited debt collectors, this eye-opening episode is captivating and informative. Learn about your rights as a Canadian consumer, the tactics some creditors use to pressure debtors, and how to protect yourself from unethical and illegal debt collection practices. Covering key topics such as re-aged debt, prohibited collection methods, and how technology is transforming the

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30:09

527 – Debt After Death: Can You Inherit Debt in Canada?

Debt Free in 30 ·

2024/10/05

A loved one can leave assets in their will, but what about debts? Can you inherit debt? What makes you legally responsible for debt, and what should you do if creditors come calling? Doug Hoyes and Ted Michalos tackle common concerns about a sensitive topic with a touch of lighthearted fun. They discuss joint accounts and credit cards, the role of executors, and life insurance paying off mortgages. They break down what happens to debt after death in Canada and offer important advice for seniors

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30:28

526 – What Canadians Need to Know About Credit Repair

Debt Free in 30 ·

2024/09/28

Is credit repair a scam? Learn the truth from experts about repairing damaged credit, understanding credit scores, and managing debt. Doug Hoyes and Ted Michalos explain essential topics like credit utilization rate, responsible credit card usage, and when you should worry about your credit score. Whether you’re working to rebuild your credit or aiming to maintain a healthy score, this episode is full of practical advice on credit and debt management for all Canadians. Timestamps: (0:00)

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32:12

525 – Why it’s so hard to get out of debt: Family...

Debt Free in 30 ·

2024/09/21

Does it feel impossible to make any progress with your debt? Getting out of debt is a battle against high interest rates, financial traps like payday loans, and the emotional toll that debt takes on your mental health. Doug Hoyes and Ted Michalos explore the hidden factors that keep you stuck, from the predatory lending practices that pile on to your balance to the family pressures and stress that make it harder to break free. Learn how to stop the cycle of borrowing and why ignoring debt only makes

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34:11

524 – Entrepreneur by Necessity: Business Advice with...

Debt Free in 30 ·

2024/09/14

Thinking about starting a side hustle or going out on your own? Whether you're a seasoned entrepreneur or a first-timer, this insightful episode with author and business expert David Barnett is packed with valuable advice. David returns to Debt Free in 30 to delve into starting or buying a business out of necessity. Discussing the importance of market research—when it’s needed and not—along with creative strategies for securing funding when resources are scarce. He also provides practical

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24:13

523 – Rising Costs, Stagnant Wages: Practical 2024...

Debt Free in 30 ·

2024/09/07

Welcome to Season 11, unofficially deemed our *practical* era. Are your expenses outpacing your income? With inflation rising and wages lagging, many Canadians are feeling financial strain. Doug Hoyes and Ted Michalos discuss why government stats might not tell the whole story, why lowering interest rates won’t solve everything, and share practical advice for anyone struggling to keep up with debt. Timestamps: (0:00) Spending More, Not Making More? Hilarious Season 11 Premier with Doug Hoyes and

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25:59

522 – Hot Button Budgeting Topics (Compilation)

Debt Free in 30 ·

2024/08/31

Pros and Cons of Budgeting: What Works, What Doesn't, and What to Do Instead | Debt Free in 30 | Episode 522 Is budgeting the best way to manage your finances, or is there a more practical approach? Debt Free in 30’s Doug Hoyes discusses the pros and cons of budgeting, breaking down popular budgeting methods like the 50/30/20 rule and the practicality of saving 20% of your income. Explore why traditional budgets can often be overly simplistic, why it’s hard to start budgeting, and how to find a

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28:51

521 – Debt Collectors: Practical Advice (Compilation)

Debt Free in 30 ·

2024/08/24

In this eye-opening episode of Debt Free in 30, host Doug Hoyes dives into the world of debt collection with Blair DeMarco of Kingston Data and Credit. Together, they unravel the complexities of debt collection and help you understand your rights from initial contact to facing settlement offers or legal threats. Whether you're grappling with old debts or dealing with aggressive collectors, this episode equips you with the knowledge and strategies you need to protect your credit and manage your

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36:05

520 – Expert Insights on Getting Out of Debt...

Debt Free in 30 ·

2024/08/17

Explore essential financial topics and practical advice to overcome debt and achieve financial stability. If you’re struggling with high-interest debt, considering installment loans, or exploring mortgage refinancing, this compilation video offers valuable tips and actionable advice. Financial expert Doug Hoyes, co-founder of Hoyes Michalos, and his guests provide insights into effective debt management strategies, including the benefits and pitfalls of various financial tools and methods. Discover

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32:05

519 – The REAL Way to Build Better Credit

Debt Free in 30 ·

2024/08/10

Can You Improve Your Credit Score Without Debt? | Debt Free In 30 | Ep 381. If you’re new to credit or have recently completed an insolvency filing, you may be thinking about ways to improve your credit score without taking on more debt. While debt is necessary to have in order to build your credit, there are some strategies to improve your credit score without taking on more debt. On today’s podcast, Maureen Parent, LIT, returns to discuss what makes up a credit score and how you can strategically

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20:58

518 – Why More Credit Won't Make You Truly Independent

Debt Free in 30 ·

2024/08/03

Discover why chasing after more credit to achieve financial freedom may not be the most effective strategy, how it creates dependencies, and learn alternative paths to be more independent. Links: What To Do When You Have Too Much Debt to Handle: https://www.hoyes.com/blog/what-to-do-when-you-have-too-much-debt-to-handle/

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29:45

517 – Should you pay off your debt or invest?

Debt Free in 30 ·

2024/07/27

You’ve got some extra cash. Should you pay down debt or invest it? In this episode, Doug and Ted discuss whether to use your extra money to tackle high-interest credit card debt, invest in an RRSP, or pay down a mortgage. They’ll also share their advice on what steps to take if you’re unable to pay off your debt—like turning to a consumer proposal. Tune in to learn how to effectively manage your finances and make the most of your money. Time Stamps: 00:00 Pay off debt on your credit card 02:53 Pay

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33:14

516 – Online Banking: Navigating Fees, Services, Apps...

Debt Free in 30 ·

2024/07/20

Doug is joined by BIA Insolvency Counsellor Charlie Kovacs. They discuss banking in the digital age and cover topics such as service fees, chequing accounts, digital transactions, payment methods (digital vs. cheques), prepaid cards, credit scores, mobile payment options, how to manage digital finances, free tax filing, and finding the best bank rates online. If you're new to digital banking or eager to learn insider tips from finance experts, this episode is a must-listen! Time Stamps: 00:00

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35:23

515 – The Pros and Cons of Selling Everything to Pay...

Debt Free in 30 ·

2024/07/13

Selling your assets to pay off debt can be tricky. Depending on the asset, there may be unforeseen costs. Cashing in your savings may not completely deal with your debt problems. You may, in fact, have better options to eliminate your debt without losing your assets at all. Today we talk with Ted Michalos to explore how to pay off debt when you have assets. Time Stamps: 00:00 Introduction 02:43 Are all assets treated the same? 06:31 Cashing out your RRSP to pay debt 13:50 Should you file a

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99 results

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