Debt Free in 30

624 - The Best Mortgage and Housings Advice From Our Experts

Are you prepared for the mortgage renewal cliff? Learn how the 2026 renewal cycle might affect your household budget and finances.Doug Hoyes explains the reality of the upcoming mortgage renewal cliff and why 2026 is bec

623 - Best Of Tough Debt Decisions

Are you struggling with financial tightness despite making all your minimum payments? Learn how to break the cycle of debt today with our cleverly constructed Best Of Compilation. Financial stress can persist even when y

622 – What I Told Parliament About Canada's Debt Crisis

What happens when a Licensed Insolvency Trustee gets five minutes to tell Parliament what's really happening with debt in Canada? Doug Hoyes shares his firsthand experience testifying before the House of Commons Standing

621 - Is The Lure of Convenience Spending Blowing Your Budget?

Avoid the convenience spending trap and stop accidental debt. Learn how small everyday habits trap you in financial stress and how to break free. This podcast episode from Debt Free 30 explores the hidden dangers of the

620 - The Cost of Caring: Balancing Generosity and Debt

619 - Payday Loans in Disguise: The Slick New Ways Apps Get You Hooked on Credit

Are these financial apps just payday loans in disguise? Learn the sneaky ways modern tech keeps you hooked on debt and how to avoid it. Many popular money apps market themselves as helpful tools, but often hide high-cost

618 - What Happens If You Just Stop Paying Your Credit Cards?

What happens when you stop paying credit card bills? Learn the real consequences of missed payments and how to protect your financial health. This discussion breaks down exactly what occurs after you miss a credit card p

617- Saving While in Debt - Smart or Stupid?

Is saving money while in debt a smart financial move? Doug & Ted break down the strategy to help you decide how to manage your cash. Many people struggle with the dilemma of whether to prioritize building savings or payi

616 - The Financial Impact of a Crisis - Building Resilience

Learn how to survive a financial crisis by building resilience and strengthening your personal finance foundation. This conversation provides practical steps to prepare for economic instability. We discuss the core princ

615 - Your Credit Limit Is TOO HIGH (Here's Why That's a Problem)

Is your credit limit too high? Learn how to safely request a lower credit limit to manage your personal finances more effectively. Most financial advice focuses on getting more credit, but having too much available can b

614 – Splitting Up with Shared Debt: What Happens When Couples Break Up

No one enters a relationship expecting to one day untangle joint credit cards, co-signed loans, or shared lines of credit. Yet when a relationship ends, many people discover they're still financially connected long after

613 – Credit Score Myths Busted: What Canadians Get Wrong About Credit Reporting

Canadians hear a lot of advice about credit scores, but much of it is outdated, oversimplified, or borrowed from the U.S. and simply doesn't apply here. Does carrying a balance help? Does checking your score hurt it? Can

612 – When Should You Pay Your Credit Card? Smarter Timing for Better Credit

Most people assume paying their credit card on the due date means they're managing debt responsibly. But timing matters more than most people realize. Doug Hoyes and Ted Michalos explain why people who always make their

611 – Before You Borrow: 7 Questions to Ask Yourself to Avoid Debt Regret

Most people do not end up in serious debt because of one huge mistake. It is usually a series of small decisions that felt reasonable at the time. Doug Hoyes and Ted Michalos discuss seven important questions everyone sh

610 – Financial FOMO: How the Fear of Missing Out Drives You Into Debt

From social media influencer culture to "buy now, pay later" spending, financial FOMO can quietly push people deeper into debt without realizing it. Licensed Insolvency Trustee Maureen Parent from Hoyes Michalos breaks d

609 – Credit Card Insurance: Do You Need It, or Is It Just Another Upsell?

Credit card insurance is often presented as an easy way to protect yourself, but the details can be more complex than they appear. We break down how it works, the different types of coverage available, and the fine print

608 – Advice or Sales Pitch? Why Canadians Have Lost Trust in Banks

Most Canadians trust their bank to help them make smart financial decisions. But sometimes, what feels like advice is shaped by something else. We talk about how bank incentives influence recommendations, why that can le

607 – Credit Score vs Cash Flow: What Actually Matters in a Crisis?

A high score does not always indicate stable finances. It is possible to keep up with most of your bills and maintain a decent credit score while still feeling like you are falling behind. When cash flow is stretched, ev

606 – When Rent Eats Your Paycheque: The Hidden Reason Canadians Are Falling Into Debt

When rent takes up too much of your income, debt often follows, not because of overspending, but because the numbers no longer work. Many Canadians are finding that even after cutting back and budgeting carefully, there

605 – Owe CRA Tax Debt? The Biggest Loan Mistake Canadians Make

Owing money to the CRA can feel urgent, and taking out a loan might seem like the fastest way to fix it. But in many cases, it can make your situation worse. Doug Hoyes and Ted Michalos break down when borrowing to pay o