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Debt Free in 30

By Doug Hoyes

Every week we take 30 minutes (give or take) and talk to industry experts about debt, money and personal finance, with an emphasis on practical advice.

  1. 1.
    315 – Debt, Savings & Consumer Spending with Ted Michalos09/12/2020
    30:37
  2. 2.
    314 – Season 7 Premiere: What's Going to Happen with Debt in the Fall?09/05/2020
    18:31
  3. 3.
    313 – Pandemic Update, and REBROADCAST: Debt Forgiveness: Is a Debt Jubilee the Answer?08/29/2020
    28:27
  4. 4.
    312 – Thoughts on Toilet Paper and REBROADCAST: What Costco Can Teach Us About Making Financial Decisions08/22/2020
    26:09
  5. 5.
    311 – Pandemic Thoughts and REBROADCAST: The Fable of the $20 Bill08/15/2020
    22:52
  6. 6.
    310 – Bankruptcy Statistics Update, and REBROADCAST: Take The Blame And Shame Out Of Debt Repayment with Shannon Lee Simmons08/08/2020
    38:47
  7. 7.
    309 – COVID update, and REBROADCAST: How To Negotiate with a Collection Agent08/01/2020
    45:17
  8. 8.
    308 – Debt and The Role of Luck07/25/2020
    23:51
  1. 9.
    307 – Maternity Leave: Navigating Benefits and Preparing Financially07/18/2020
    33:51
  2. 10.
    306 – Does Debt Matter? Would Printing More Money Solve Our Problems?07/11/2020
    27:04
  3. 11.
    305 – Is Patience a Virtue For Your Finances?07/04/2020
    31:09
  4. 12.
    304 – Debt and Reasons for Optimism06/27/2020
    30:57
  5. 13.
    303 – Savings, Debt & Modern Monetary Theory with Hilliard MacBeth06/20/2020
    41:41
  6. 14.
    302 – Debt Traps of Buying a Business06/13/2020
    39:29
  7. 15.
    301 – Managing Financial Transitions with Victoria Ryce06/06/2020
    35:14
  8. 16.
    300 – Can You Create Your Own Reality?05/30/2020
    26:00
  9. 17.
    299 – The True Cost of Debt Deferrals05/23/2020
    22:11
  10. 18.
    298 – COVID-19 & Debt Update: What's Happening with Personal Insolvencies in Ontario05/16/2020
    35:19
  11. 19.
    297 – Debt Forgiveness: Is a Debt Jubilee the Answer?05/09/2020
    24:53
  12. 20.
    296 – Dealing with Collection Calls in COVID-19: Debt Negotiations, Deferrals, and Credit Report Impact05/02/2020
    34:14
  13. 21.
    295 – The Vultures Are Circling: COVID-19 & High Interest Loans04/25/2020
    26:53
  14. 22.
    294 – Debt, Rent Deferral Advice, & The Future of the Rental Market with Rachelle from Landlord Rescue04/18/2020
    46:31
  15. 23.
    293 – Debt, HELOCs, and The New World of Mortgage Lending with Ron Butler04/11/2020
    36:08
  16. 24.
    292 – Debt, Frozen Real Estate, Cancelled HELOCs, and a Guaranteed Recession with Ben Rabidoux04/04/2020
    55:13
  17. 25.
    291 – COVID-19 and Debt Update: Dealing With Your Creditors03/28/2020
    47:00
  18. 26.
    290 – Dealing with Debt During COVID-1903/21/2020
    34:12
  19. 27.
    289 – Rebuilding Your Life and Finances After Bankruptcy03/14/2020
    34:10
  20. 28.
    288 – Credit and Debt Decisions That Can Backfire03/07/2020
    30:17
  21. 29.
    287 – Should You Pay Someone To Do Your Taxes?02/29/2020
    31:29
  22. 30.
    286 – Talking Happy Go Money with Melissa Leong02/22/2020
    36:24
  23. 31.
    285 – Today’s Bankrupt Debtor: 4 Key Debt Trends Explained02/15/2020
    29:35
  24. 32.
    284 – Rules to Master Your Credit with Richard Moxley02/08/2020
    34:28
  25. 33.
    283 – How To Prepare Your Finances for a Recession02/01/2020
    32:49
  26. 34.
    282 – Identifying and Avoiding Loan Scams01/25/2020
    28:49
  27. 35.
    281 - Talk Money To Me with Kelley Keehn01/18/2020
    37:06
  28. 36.
    280 – Are Reverse Mortgages a Good Idea?01/11/2020
    36:06
  29. 37.
    279 – How Debt Fools People01/04/2020
    31:08
  30. 38.
    278 – Year-End Debt Show and Predictions for 202012/28/2019
    25:19
  31. 39.
    277 – Is Life Better or Worse Today?12/21/2019
    24:44
  32. 40.
    276 – The Problem with Gift Cards12/14/2019
    29:57
  33. 41.
    275 – The Huge Business of Marketing12/07/2019
    29:35
  34. 42.
    274 – Understanding the Retail Apocalypse with Stephanie Hughes11/30/2019
    30:00
  35. 43.
    273 – Debt and The Sunk Cost Fallacy11/23/2019
    19:59
  36. 44.
    272 – Managing the Cost of Kids’ Sports11/16/2019
    16:06
  37. 45.
    271 - TFSA, RRSP and Debt11/09/2019
    37:15
  38. 46.
    270 - The Fable of the 20 Dollar Bill11/02/2019
    17:40
  39. 47.
    269 – Which Bank Should You Use?10/26/2019
    30:45
  40. 48.
    268 – No Good Deed Goes Unpunished10/19/2019
    20:56
  41. 49.
    267 – Debt Stories: Renovictions, Retail Apocalypse & Stagnant Incomes10/12/2019
    35:25
  42. 50.
    266 – Real Estate, Personal Debt, and Recession Indicators with Ben Rabidoux10/05/2019
    43:54
  43. 51.
    265 – How To Talk to Your Aging Parents About Money09/28/2019
    30:49
  44. 52.
    264 – How To Negotiate with a Collection Agent09/21/2019
    41:20
  45. 53.
    263 – Why The 7-Year Rule for Student Loan Debt Should Be Eliminated09/14/2019
    30:21
  46. 54.
    262 – Welcome to Season 6 of Debt Free in 3009/07/2019
    7:22
  47. 55.
    261 – REBROADCAST: Getting Out Of Debt Requires A System, Not Just A Goal08/31/2019
    18:10
  48. 56.
    260 – REBROADCAST: Take The Blame And Shame Out Of Debt Repayment08/24/2019
    34:48
  49. 57.
    259 – REBROADCAST - What to Know About Credit Cards So You Use Credit Wisely08/17/2019
    28:39
  50. 58.
    258 – REBROADCAST - Managing Money on a Variable Income08/10/2019
    35:25
  51. 59.
    257 - REBROADCAST: Think Twice Before You Get a Home Equity Line of Credit08/03/2019
    34:26
  52. 60.
    256 – Advice for Dealing with a Debt Buyer07/27/2019
    35:11
  53. 61.
    255 – Are You Financially Dependent on Debt?07/20/2019
    20:31
  54. 62.
    254 – What Costco Can Teach Us About Making Financial Decisions07/13/2019
    21:47
  55. 63.
    253 – Self-Employed: Financing Wisely to Avoid Debt Trouble07/06/2019
    23:15
  56. 64.
    252 – Are Debt and Mental Health Connected? Understanding Debt Stress06/29/2019
    28:23
  57. 65.
    251 – How Banks and Faulty Economics Contribute To The Consumer Debt Binge06/22/2019
    35:42
  58. 66.
    250 – How Debt Is Causing High Stress Levels and What To Do About It06/15/2019
    28:31
  59. 67.
    249 – The 5 Stages of Debt06/08/2019
    30:09
  60. 68.
    248 – Building Wealth in a Challenging World06/01/2019
    38:34
  61. 69.
    247 – Managing Your Second Biggest Expense: Food Budget05/25/2019
    32:20
  62. 70.
    246 – Can I Travel While in a Bankruptcy?05/18/2019
    25:27
  63. 71.
    245 – Pros and Cons of Pre-Approved Credit Limits and Credit Lines05/11/2019
    30:40
  64. 72.
    244 – Should Pensions Be Protected in a Corporate Bankruptcy?05/04/2019
    23:01
  65. 73.
    243 – 6 Skills to Succeed in Business and Avoid Debt Problems04/27/2019
    26:54
  66. 74.
    242 – Spotting Bad Credit Advice on the Internet04/20/2019
    30:37
  67. 75.
    241 – Why I Don’t Like Free Credit Scores04/13/2019
    26:29
  68. 76.
    240 – Can a Collection Agency Take Me to Court?04/06/2019
    16:54
  69. 77.
    239 - Federal Budget 2019: Will It Help Millennials in Debt?03/30/2019
    29:29
  70. 78.
    238 – Millennials & Debt - No Room to Maneuver03/23/2019
    30:25
  71. 79.
    237 – Managing Money on a Variable Income03/16/2019
    34:26
  72. 80.
    236 – Take The Blame And Shame Out Of Debt Repayment03/09/2019
    33:55
  73. 81.
    235 – What to Know About Credit Cards So You Use Credit Wisely03/02/2019
    27:46
  74. 82.
    234 – 4 Personal Finance Ratios That Measure Your Debt Risk02/23/2019
    25:38
  75. 83.
    233 – Want to Beat the Bank? Understand the Basics02/16/2019
    32:11
  76. 84.
    232 – Are Not-For-Profit Credit Counselling Agencies Now Just Debt Collectors?02/09/2019
    40:16
  77. 85.
    231 – Think Twice Before You Get a Home Equity Line of Credit02/02/2019
    33:27
  78. 86.
    230 – Should I Sell My Assets to Pay Off Debt?01/26/2019
    35:39
  79. 87.
    229 – Will I Lose My Inheritance in a Bankruptcy?01/19/2019
    21:48
  80. 88.
    228 – Buying and Maintaining an Affordable Car01/12/2019
    31:14
  81. 89.
    227 – Getting Out Of Debt Requires A System, Not Just A Goal01/05/2019
    17:10
  82. 90.
    226 – Consumer Debt Crisis is Looming: Predictions for 201912/29/2018
    24:20
  83. 91.
    225 – Should You Use Your Bonus To Pay Off Debt?12/22/2018
    34:18
  84. 92.
    224 – Chatbots: Helping Your Finances or Up-selling?12/14/2018
    35:05
  85. 93.
    223 – Christmas Etiquette When You're Dealing With Debt12/08/2018
    35:34
  86. 94.
    222 – Protecting Yourself Financially for Unexpected Life Events12/01/2018
    34:46
  87. 95.
    221 – Retraining for a Second Career while Dealing with Debt11/24/2018
    34:20
  88. 96.
    220 – The Cold-Hard Truth About Unlicensed Debt Consultants11/17/2018
    40:57
  89. 97.
    219 – Avoiding Debt Problems After a Personal Injury11/10/2018
    33:33
  90. 98.
    218 – A Three-Pronged Approach to Financial Literacy11/03/2018
    28:46
  91. 99.
    217 – Why You Want to Avoid Debt at Every Age10/27/2018
    27:53
  92. 100.
    216 – Should You File Bankruptcy in Canada if Living Abroad?10/20/2018
    21:07
  93. 101.
    215 – What is a Robo-Planner? Automated Financial Planning10/13/2018
    35:32
  94. 102.
    214 – Should You Have a Joint Bank Account?10/06/2018
    24:42
  95. 103.
    213 – Investment Selling is Not Financial Planning09/29/2018
    40:30
  96. 104.
    212 – Walking Away From A Mortgage in Canada09/22/2018
    29:40
  97. 105.
    211 – Are You Having a Personal Financial Crisis?09/15/2018
    34:22
  98. 106.
    210 – What is Financial Hardship for Student Loans?09/08/2018
    26:01
  99. 107.
    209 – Welcome to Season 5 of Debt Free in 3009/01/2018
    9:18
  100. 108.
    208 – REBROADCAST: The 80/20 Rule of Money Management08/25/2018
    10:03
  101. 109.
    207 – REBROADCAST: Which Debts Should You Pay First?08/18/2018
    18:22
  102. 110.
    206 – REBROADCAST: How to Pay Down Massive Debt08/11/2018
    16:35
  103. 111.
    205 – REBROADCAST: Minimum Payments on Credit Cards are Keeping You in Debt08/04/2018
    12:54
  104. 112.
    204 - What a Tesla Bankruptcy Can Teach You About Personal Finance07/28/2018
    17:55
  105. 113.
    203 – Why You Should Bank at More Than One Bank07/20/2018
    13:31
  106. 114.
    202 – What Happens in Bankruptcy Court?07/14/2018
    24:30
  107. 115.
    201 – How to Improve Your Financial Wellness07/07/2018
    30:47
  108. 116.
    200 – Is Bankruptcy Morally Wrong?06/30/2018
    24:43
  109. 117.
    199 – The Diderot Effect: How to Get Out of a Spending Spiral06/23/2018
    30:15
  110. 118.
    198 – How to Find a Credible Financial Planner with Jason Heath06/16/2018
    30:40
  111. 119.
    197 – Reviving a Consumer Proposal06/09/2018
    24:59
  112. 120.
    196 – Save Money with Recipes from Cashflow Cookbook06/02/2018
    31:40
  113. 121.
    195 – Is a Bad Credit Score Good for You?05/26/2018
    18:50
  114. 122.
    194 – What Information Is On Your Credit Report?05/19/2018
    32:20
  115. 123.
    193 – How to get an Affordable Divorce05/12/2018
    32:22
  116. 124.
    192 – Second Mortgage or Interest-Free Consumer Proposal?05/05/2018
    23:08
  117. 125.
    191 – Pay Off Debt First or Follow Your Passion?04/28/2018
    28:05
  118. 126.
    190 – The 80/20 Rule of Money Management04/21/2018
    9:27
  119. 127.
    189 – Can Blockchain Technology Save the Credit Scoring System?04/14/2018
    52:42
  120. 128.
    188 – Why More Women are Filing Bankruptcy04/07/2018
    39:16
  121. 129.
    187 – Advice for Tenants Renting a Property03/31/2018
    38:28
  122. 130.
    186 – Why It's Difficult to Prevent Online Fraud03/23/2018
    36:11
  123. 131.
    185 – 3 Types of Bankruptcies We Expect in 201803/17/2018
    33:30
  124. 132.
    184 – Debt: Why is No-One Listening?03/10/2018
    40:58
  125. 133.
    183 – A Balanced Look at the Real Estate Market03/03/2018
    35:11
  126. 134.
    182 – Why Payday Loans Won’t Go Away02/24/2018
    29:59
  127. 135.
    181 – The Rule of 7202/17/2018
    8:33
  128. 136.
    180 – How to Use Loyalty Programs to Balance Your Budget02/10/2018
    25:18
  129. 137.
    179 – Talking Debt with Scott Terrio02/03/2018
    32:46
  130. 138.
    178 – How to Pay Down Massive Debt01/27/2018
    16:12
  131. 139.
    177 – Minimum Payments on Credit Cards are Keeping You in Debt01/19/2018
    12:08
  132. 140.
    176 – The Wealthy Renter with Alex Avery01/13/2018
    40:29
  133. 141.
    175 – Which Debts Should You Pay First?01/06/2018
    17:41
  134. 142.
    174 – Seeds of a Debt Crisis: 2017 Debt Statistics and 2018 Predictions12/30/2017
    30:09
  135. 143.
    173 – How To Avoid Being House Poor12/23/2017
    15:00
  136. 144.
    172 – The Perfect Christmas With Heather Cudmore12/16/2017
    22:25
  137. 145.
    171 – Never Loan Money to Family and Friends12/09/2017
    11:27
  138. 146.
    170 – 10 Personal Finance Books That Make Great Gifts12/02/2017
    32:45
  139. 147.
    169 – Let's Call a Spade a Spade: Credit is Debt11/25/2017
    8:26
  140. 148.
    168 – Wage Garnishments: What Income Can be Garnisheed?11/18/2017
    31:44
  141. 149.
    167 – Expert Disagrees With My Opinion on Credit Scores11/11/2017
    41:24
  142. 150.
    166 – Financial Literacy Needs More Thinking and Less Emphasis on Math11/04/2017
    15:34
  143. 151.
    165 – Do I Lose My RDSP If I Go Bankrupt?10/28/2017
    24:20
  144. 152.
    164 – Why a House Does Not Guarantee Financial Security10/21/2017
    13:38
  145. 153.
    163 – Life Happens and Not Always The Way We Expect10/14/2017
    10:13
  146. 154.
    162 – Here's How You Can Get Ready for Higher Interest Rates10/07/2017
    28:02
  147. 155.
    161 – Debt Should Come With a Health and Safety Warning09/30/2017
    22:49
  148. 156.
    160 – Laid Off at Age 4709/23/2017
    32:23
  149. 157.
    159 – How Our Emotions Can Lead to Debt Problems09/16/2017
    14:35
  150. 158.
    158 – Is Your Student Debt Sustainable?09/09/2017
    23:49
  151. 159.
    157 – Introduction to Season 4: We Are Not Netflix, but…09/02/2017
    6:59
  152. 160.
    156 – Straight Talk On Your Money08/26/2017
    10:37
  153. 161.
    155 – REBROADCAST: Burn Your Mortgage with Sean Cooper08/19/2017
    32:52
  154. 162.
    154 – REBROADCAST: How One Man Retired Debt-Free at Age 4808/12/2017
    38:47
  155. 163.
    153 – REBROADCAST: Everything you were Afraid to Ask About Debt08/05/2017
    51:53
  156. 164.
    152 – REBROADCAST: Why We Expect Tighter, More Expensive Mortgage Markets07/29/2017
    43:38
  157. 165.
    151 – REBROADCAST: The Canadian Economy and Household Debt07/22/2017
    32:26
  158. 166.
    150 – Bankruptcy Myths with Leigh Taylor07/15/2017
    30:20
  159. 167.
    149 – REBROADCAST: Why You Should Never Loan Money To Family and Friends07/08/2017
    19:29
  160. 168.
    148 - 10 Tips for Dealing with CRA and Tax Debts07/01/2017
    34:42
  161. 169.
    147 – Dealing with Gambling Debt06/24/2017
    34:19
  162. 170.
    146 – Why Minimum Wage is not a Living Wage06/17/2017
    21:58
  163. 171.
    145 – Poverty Reduction: What Can We Do? – With Tom Cooper06/10/2017
    33:56
  164. 172.
    144 – Seniors and Debt: More Trouble Ahead?06/03/2017
    27:04
  165. 173.
    143 – Debt Consultants: Avoid the Extra Cost05/27/2017
    37:27
  166. 174.
    142 – Homeowners Banking On Your Home Equity05/20/2017
    24:59
  167. 175.
    141 – How Car Loans Can Lead to Insolvency05/13/2017
    21:08
  168. 176.
    140 – Banks Behaving Badly, Who To Trust, and Has Toronto Real Estate Peaked?05/06/2017
    44:13
  169. 177.
    139 – Seniors and Finance With Vanessa Benedict04/29/2017
    29:35
  170. 178.
    138 – Financial Stress Facing Single Parents04/22/2017
    33:15
  171. 179.
    137 – News You Can Use April 201704/15/2017
    40:22
  172. 180.
    136 – Thinking Ahead and Planning For Your Future04/08/2017
    23:16
  173. 181.
    135 – The Economic Reality of Vulnerable Debtors04/01/2017
    26:35
  174. 182.
    134 – The Money Mindset of a Hoyes Michalos Client03/25/2017
    29:17
  175. 183.
    133 – The Financial Impact of Becoming the CEO of Everything03/18/2017
    33:28
  176. 184.
    132 – Fraud in 2017: Romance, Phishing, and CRA Scams03/11/2017
    26:22
  177. 185.
    131 – How to Master Being Suddenly Single03/04/2017
    32:43
  178. 186.
    130 – Yes, We Have A Payday Loan Crisis02/25/2017
    35:51
  179. 187.
    129 – Burn Your Mortgage with Sean Cooper02/18/2017
    31:40
  180. 188.
    128 –Ontario Limitations Act and Old Debts02/11/2017
    12:08
  181. 189.
    127 – Surviving Job Loss with David Trahair02/04/2017
    35:34
  182. 190.
    126 – News You Can Use – January 201701/28/2017
    28:11
  183. 191.
    125 – How One Man Retired Debt-Free at Age 4801/21/2017
    37:41
  184. 192.
    124 – Advertising Tricks: What We Can Learn From Donald Trump01/14/2017
    16:48
  185. 193.
    123 – What it Means to Have U.S. Debts in Canada01/07/2017
    15:05
  186. 194.
    122 – Annual New Year’s Prediction Show12/31/2016
    18:00
  187. 195.
    121 – Brother, Can You Spare a Dime?12/24/2016
    12:48
  188. 196.
    120 – Gender Bias in Financial Preparedness12/17/2016
    45:46
  189. 197.
    119 – Privatize CMHC? A Politician Says Yes12/10/2016
    31:17
  190. 198.
    118 – Who Will Know I Filed Bankruptcy?12/03/2016
    8:45
  191. 199.
    117 – Why We Expect Tighter, More Expensive Mortgage Markets11/26/2016
    41:42
  192. 200.
    116 – Should the Grade 10 Career Studies Course Include Financial Literacy?11/19/2016
    26:49

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