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,...

Nov 16, 2024

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...

Nov 9, 2024

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...