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Rank #178 in Investing category

Business
Education
Investing

Debt Free in 30

Updated 3 days ago

Rank #178 in Investing category

Business
Education
Investing
Read more

Each week Doug Hoyes talks to industry experts about debt, money, and personal finance. Don't be confused; listen as the guest experts cut through the jargon and share practical advice.

Read more

Each week Doug Hoyes talks to industry experts about debt, money, and personal finance. Don't be confused; listen as the guest experts cut through the jargon and share practical advice.

iTunes Ratings

30 Ratings
Average Ratings
18
6
2
1
3

Money Magic

By Katie Joy B. - Dec 13 2018
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Doug and his wide variety of knowledgeable guests are making financial management viable! The great advice they provide, combined with the relatable way in which they deliver it had me hooked from the very first listen. Thanks for putting out such a stellar show Doug - keep up the great work!

Awesome show, highly recommend!

By J. Barshop - Apr 19 2018
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Doug and his guests provide some incredibly actionable and compelling content on how to manage and invest your finances more thoughtfully. Highly recommend listening and subscribing to Debt Free in 30 if you want the knowledge AND mindsets build an all-around healthier relationship with your money (and inch closer towards financial freedom as a result)!

iTunes Ratings

30 Ratings
Average Ratings
18
6
2
1
3

Money Magic

By Katie Joy B. - Dec 13 2018
Read more
Doug and his wide variety of knowledgeable guests are making financial management viable! The great advice they provide, combined with the relatable way in which they deliver it had me hooked from the very first listen. Thanks for putting out such a stellar show Doug - keep up the great work!

Awesome show, highly recommend!

By J. Barshop - Apr 19 2018
Read more
Doug and his guests provide some incredibly actionable and compelling content on how to manage and invest your finances more thoughtfully. Highly recommend listening and subscribing to Debt Free in 30 if you want the knowledge AND mindsets build an all-around healthier relationship with your money (and inch closer towards financial freedom as a result)!

Listen to:

Cover image of Debt Free in 30

Debt Free in 30

Updated 3 days ago

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Each week Doug Hoyes talks to industry experts about debt, money, and personal finance. Don't be confused; listen as the guest experts cut through the jargon and share practical advice.

276 – The Problem with Gift Cards

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Everyone likes gift cards.  Free money!  An easy gift for anyone on your Christmas list, but there is a downside.

On today’s podcast, first time guest and Hoyes Michalos credit counsellor Patty Sweeney explains the advantages and disadvantages of gift cards, and she gives lots of practical advice if you give or receive gift cards.

Dec 14 2019

29mins

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275 – The Huge Business of Marketing

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Robert Brown, author of Wealthing Like Rabbits, returns for his sixth appearance on the podcast, where we discuss marketing in its many forms.

Cross selling, upselling and reselling are happening all the time, and we often don’t realize it.

We provide many examples, and strategies to keep more of your money in your pocket.

Dec 07 2019

29mins

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274 – Understanding the Retail Apocalypse with Stephanie Hughes

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Over 600 big name store locations have closed in Canada in the last three years, resulting in over 17,000 lost jobs, and that doesn’t include hundreds more small stores that have shut down.  Is this just the impact of Amazon, or is there something deeper happening?  And what does this mean for the Canadian economy going forward?

On today’s show first-time guest Stephanie Hughes explains why the stores are closing, and what this means for the typical retail worker specifically, and the Canadian economy and real estate.

Nov 30 2019

30mins

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273 – Debt and The Sunk Cost Fallacy

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The Sunk Cost Fallacy is easy to understand: you’ve spent the money, it’s gone, but you keep on doing what you’re doing, whether or not it makes sense, because you’ve spent the money.

You go to a restaurant and eat every morsel of food on your plate, whether you are full or not, because you’ve spent the money!

On today’s show Ted Michalos explains how the Sunk Cost Fallacy is a disaster with how you treat debt, and we give some practical advice on how to overcome it.

Nov 23 2019

20mins

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272 – Managing the Cost of Kids’ Sports

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On today’s podcast we’ve got two hockey parents: Kristen Kral, a credit counsellor in our Brantford office, and Rebecca Martyn, our Windsor trustee, who give their thoughts on how to save money on kid’s sports (particularly hockey).

Enjoy!

Nov 16 2019

16mins

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271 - TFSA, RRSP and Debt

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It’s amazing how many of my client are confused about the difference between a TFSA and an RRSP, so today Ian Martin and I go through the basics.

But isn’t this a podcast about debt?

Yes it is, so we also discuss what happens to a TFSA or RRSP if you go bankrupt, and we discuss which savings vehicle is best once you are out of debt and are getting back on track.

Nov 09 2019

37mins

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270 - The Fable of the 20 Dollar Bill

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It’s the start of Financial Literacy Month in Canada, so instead of following the crowd and telling you to make a budget (which is the most common suggestion you will hear this month), I will go a different route and tell you a story about a 20 dollar bill.

A fable, as it were.

Enjoy!

Nov 02 2019

17mins

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269 – Which Bank Should You Use?

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We advise our clients to open a new bank account at a new bank where they don’t owe any money, before filing a consumer proposal or bankruptcy, to ensure that their money is not “accidentally” seized by a creditor.  It’s wise to have a bank account at a bank where you don’t owe money even if you aren’t in financial trouble, for exactly that reason.  But which bank should you pick?  Are they all the same?  On today’s podcast credit counsellor Diane Cunha walks you through how to pick a bank and save money on bank fees.

Oct 26 2019

30mins

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268 – No Good Deed Goes Unpunished

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Ted Michalos often says “no good deed goes unpunished”.  What does he mean by that?  Does he have a negative view of humanity?  On today’s show he gives examples to illustrate his point, and we give practical advice on how to make sure that if you are helping friends of family with money problems, you don’t put yourself in financial jeopardy.

Oct 19 2019

20mins

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267 – Debt Stories: Renovictions, Retail Apocalypse & Stagnant Incomes

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On today’s show: no statistics, no numbers, just stories about the clients we help.  Scott Terrio talks about the growing trend of renovictions, how the decline of retail stores is impacting our clients, and how stagnant incomes but rising living costs are putting the squeeze on everyone.

Oct 12 2019

35mins

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