Debt Free in 30

Debt Free in 30

Author: Doug Hoyes Language: English Episodes: 500
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
245 – Pros and Cons of Pre-Approved Credit Limits and Credit Lines [not-audio_url] [/not-audio_url]

Duration: 30:41
When I ask my clients "what happened; how did you get into so much debt?", they tell me that the credit card company offered them a credit limit increase on their credit card, so they took it. Or, they offered me a line…
244 – Should Pensions Be Protected in a Corporate Bankruptcy? [not-audio_url] [/not-audio_url]

Duration: 23:03
When Sears went bankrupt and the employees discovered they wouldn't get their full pensions, there was an understandable outcry, and many people has said that the solution is to make pensions the first creditor to be pai…
243 – 6 Skills to Succeed in Business and Avoid Debt Problems [not-audio_url] [/not-audio_url]

Duration: 26:55
Debts arising from the failure of a business is a common reason that someone may have to file a personal bankruptcy. That's not surprising; you borrow money personally to invest in a business, it doesn't work out, you're…
242 – Spotting Bad Credit Advice on the Internet [not-audio_url] [/not-audio_url]

Duration: 30:38
There is a lot of bad credit and debt advice out there. We see it on YouTube, and Twitter, and Reddit, and in personal finance blogs. And it seems that one of the most popular areas to give bad advice is on how to improv…
241 – Why I Don't Like Free Credit Scores [not-audio_url] [/not-audio_url]

Duration: 26:31
Getting a copy of your credit report and credit score for free, from one of those "credit monitoring" services, can be very expensive. On today's show I rant about why I don't like those services, and I give practical ad…
240 – Can a Collection Agency Take Me to Court? [not-audio_url] [/not-audio_url]

Duration: 16:55
Today's episode is a quick "Technical Tidbits" edition where we answer one question from our listeners. The short answer is yes, it is possible for a collection agency to take you to court, but it's not a common occurren…
239 - Federal Budget 2019: Will It Help Millennials in Debt? [not-audio_url] [/not-audio_url]

Duration: 29:30
On today's show we discuss the proposed changes in the federal budget, including help for new home buyers, and explore whether or not these changes will actually help millennials and others.
238 – Millennials & Debt - No Room to Maneuver [not-audio_url] [/not-audio_url]

Duration: 30:26
Every year, we analyze information we collect about our clients to develop an updated profile of the average person filing insolvency. We call this person Joe Debtor. As the economy changes, so too does Joe Debtor. In 20…
237 – Managing Money on a Variable Income [not-audio_url] [/not-audio_url]

Duration: 34:27
Budgeting for bill payments and saving can be a straightforward process when you have a regular, consistent paycheque. But how do you stay on top of your finances when your income differs from one month to the next? What…
236 – Take The Blame And Shame Out Of Debt Repayment [not-audio_url] [/not-audio_url]

Duration: 33:56
In over 20 years helping Canadians eliminate their debt, I've yet to hear a single client say they chose to have debt problems. Debt accumulates over time and then it becomes an even bigger problem when you lose your job…