Debt Free in 30
Doug Hoyes sits down each week with a different specialist to untangle the complicated feelings and hard numbers around owing money. The conversations in Debt Free in 30 move beyond simple scare tactics or dry theory, focusing instead on actionable strategies for managing debt, rebuilding savings, and making informed investing choices. You’ll hear from trustees, financial planners, and counselors who explain concepts in plain language, stripping away the industry jargon that often leaves people feeling overwhelmed. Whether it’s navigating a consumer proposal, understanding credit scores, or starting to invest with a tight budget, this podcast provides a clear-eyed look at the steps toward financial stability. Doug’s approach is grounded and pragmatic, reflecting his deep expertise in the field, making each episode feel like a direct consultation with a knowledgeable guide. Tuning in regularly offers a consistent source of demystified advice, turning what can be a stressful topic into a manageable process. It’s that blend of expert insight and relatable conversation that defines this particular personal finance podcast.
Episodes
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…
