Dec 21, 2024

How do you balance financial well-being with the responsibility of supporting aging parents?

This important episode tackles the complexities of financial caregiving, highlighting the challenges of the "sandwich generation"—those caring for both children and elderly parents—all while managing personal debt.

Doug...

Dec 14, 2024

Have you ever stopped to consider the real costs—and sacrifices—of borrowing someone else’s money?

Whether it’s a mortgage, car loan, or another form of financing, the hidden fees, penalties, and long-term credit impacts can quickly add up. Beyond the numbers, debt can bring stress, limit opportunities, and...

Dec 7, 2024

Is the thought of maxed-out credit cards keeping you up at night?

This guide unpacks the pitfalls of credit card debt and offers clear strategies to break free from the cycle.

Doug Hoyes and Ted Michalos discuss why your credit utilization rate matters, how many credit cards you should really have, the pros (but mostly...

Nov 30, 2024

Many Canadians have seasonal employment or variable income, making financial planning more complex.

Doug Hoyes and Ted Michalos provide practical strategies for managing income fluctuations, saving effectively, dealing with debt, and handling taxes during off-seasons. 

This episode is a must-listen for anyone...

Nov 23, 2024

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,...