Debt Free in 30 – Details, episodes & analysis

Podcast details

Technical and general information from the podcast's RSS feed.

Debt Free in 30

Doug Hoyes

Business

Frequency: 1 episode/7d. Total Eps: 624

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.

Site

RSS

Recent rankings

Latest chart positions across Apple Podcasts and Spotify rankings.

Apple Podcasts

No recent rankings available

Spotify

No recent rankings available

Shared links between episodes and podcasts

Links found in episode descriptions and other podcasts that share them.

See all

https://www.hoyes.com/press/joe-debtor/
67 shares
https://www.hoyes.com/straight-talk/
30 shares
https://www.hoyes.com/press/homeowner-bankruptcy-index/
27 shares

https://www.youtube.com/@hoyesmichalos/videos
54 shares
https://www.youtube.com/watch?v=-CSt5J7CIQ0
10 shares
https://youtu.be/3i22JpmcozY
8 shares

https://twitter.com/ronmortgageguy
12 shares
https://twitter.com/MaureenParent7
12 shares
https://twitter.com/doughoyes
8 shares

RSS feed quality and score

Technical evaluation of the podcast's RSS feed quality and structure.

See all

RSS feed quality

To improve

Score global : 48%

Publication history

Monthly episode publishing history over the past years.

Year

Latest published episodes

Recent episodes with titles, durations, and descriptions.

See all

584 – Top Mistakes Debtors Make and How to Avoid Them

Saturday, November 8, 2025 • Duration 31:22

Drawing on experience from 25+ years and 73,000+ filings, Doug and Ted break down the top debt mistakes Canadians make, and how to avoid them. They explain how problems creep up, why waiting narrows your options, high-cost credit and payday-loan cycles, CRA's real collection powers, and so much more.

Canada-specific guidance for debtors with tips on protecting your long-term financial health.

(00:00) How debt mistakes happen
(02:00) Spotting debt problems early
(04:30) Waiting too long is costly: interest, stress, fewer options
(06:30) Choosing the right help: Licensed Insolvency Trustees vs. "debt consultants"
(08:30) Minimum payments: is it ever a good strategy?
(10:30) High-cost credit & payday loan cycle
(13:30) Ignoring CRA debt: the powers of the Canada Revenue Agency
(15:30) RRSPs to pay debt? Taxes, exemptions, and better paths
(18:00) The credit-score trap
(21:00) Practical resets, scam red flags

Hoyes Michalos Joe Debtor Consumer Insolvency Study 2024

DIY Free Credit Repair Course

Sign Up for the Monthly Debt Free Digest

Hoyes Michalos YouTube Channel

Learn About Debt Relief Options in Ontario

Disclaimer:
The information provided in the Debt Free in 30 Podcast is for entertainment and informational purposes only and is not intended as personal financial advice. Individual financial situations vary and may require personal guidance from a financial professional. The views expressed in this episode do not necessarily reflect the opinions of Hoyes, Michalos & Associates, or any other affiliated organizations. We do not endorse or guarantee the effectiveness of any specific financial institutions, strategies, or digital tools/apps discussed.

Read moreCollapse

583 – Job Loss: What to Do Financially in Your First 30 Days

Saturday, November 1, 2025 • Duration 30:52

Laid off or let go? Your first 30 days matter. This is a practical, Canada-specific guide to unemployment, covering everything from applying for EI to discussing when upskilling or a pivot makes sense, as well as the risks of jumping into self-employment and how to handle debt while unemployed. If you're currently employed, treat this episode as a readiness checklist to ensure you feel prepared and confident about whatever comes next.

(00:00) Why the first 30 days of unemployment matter
(02:00) Day-one checklist: severance, benefits, documents
(05:30) EI basics: ROE, timing with severance, applying early
(08:30) Money triage: cut variable costs, protect cash flow
(12:30) Job search that works: résumé/LinkedIn refresh + networking
(17:00) If your field is shrinking: upskill or pivot?
(21:00) Self-employment/freelance: risks, cash needs, taxes
(24:30) Debt decisions: the best time to file bankruptcy or a consumer proposal

How To Check If You Qualify For Employment Insurance (EI Benefits)

Payday Loans Aren't Worth It: How To Break The Cycle

Should I Get a Loan To Pay Off My Credit Cards?

DIY Free Credit Repair Course

Sign Up for the Monthly Debt Free Digest

Hoyes Michalos YouTube Channel

Disclaimer:
The information provided in the Debt Free in 30 Podcast is for entertainment and informational purposes only and is not intended as personal financial advice. Individual financial situations vary and may require personal guidance from a financial professional. The views expressed in this episode do not necessarily reflect the opinions of Hoyes, Michalos & Associates, or any other affiliated organizations. We do not endorse or guarantee the effectiveness of any specific financial institutions, strategies, or digital tools/apps discussed.

574 – Simple Shifts: Ways to Save More and Spend Less

Saturday, August 30, 2025 • Duration 30:44

Looking to save more and spend smarter? This episode is packed with practical, expert-backed tips - from insider grocery hacks and avoiding hidden fees to smarter banking strategies. Learn how simple shifts, like opening a second bank account or using preloaded credit cards, can help you take control of your money and reach your financial goals faster.

(01:00) Avoiding hidden service charges
(04:00) Top Canadian grocery tips: Snacks vs. Groceries with The Food Professor
(05:40) How preventive costs can save you big
(09:45) Why you should open a second bank account
(10:30) More grocery hacks to cut your bill
(15:00) The payoff of investing in insurance
(17:50) Top 3 shopping tips to save money
(20:00) Why a home isn't always an investment: Renting vs. owning
(24:00) The benefits of preloaded credit cards with digital banks
(28:00) The importance of diversifying your money

Free Canadian Credit Repair Resources

10 Tips for Dealing With Collection Agencies

Ontario Consumer Proposal and Bankruptcy FAQ

Hoyes Michalos YouTube Channel

Sign Up for the Monthly Debt Free Digest

Disclaimer:
The information provided in the Debt Free in 30 Podcast is for entertainment and informational purposes only and is not intended as personal financial advice. Individual financial situations vary and may require personal guidance from a financial professional. The views expressed in this episode do not necessarily reflect the opinions of Hoyes, Michalos & Associates, or any other affiliated organizations. We do not endorse or guarantee the effectiveness of any specific financial institutions, strategies, or digital tools/apps discussed.

484 – Debt Duel: Snowball vs. Avalanche with Joel Sandwith

Season 10 · Episode 484

Saturday, December 9, 2023 • Duration 30:35

In this episode, Doug sits down with Joel Sandwith, a Licensed Insolvency Trustee based at the Hoyes Michalos London office. Together, they explore effective debt management strategies and delve into optimal approaches for debt repayment. The episode provides a comprehensive comparison of the snowball and avalanche methods. If you're trying to figure out the best way to pay off your debts, this episode is a helpful guide. It's here to support you on your journey to financial freedom, giving you insights into different methods and assisting you in selecting the one that suits you best.

Related Links:

Have a question or comment for a future show? Leave us a voice message here: https://www.hoyes.com/dfi30comments

Joel Sandwith BA, Licensed Insolvency Trustee - https://www.hoyes.com/about-hoyes-michalos/bankruptcy-trustees/joel-sandwith/

Debt Snowball Method vs High Interest First - https://www.hoyes.com/blog/debt-snowball-method-vs-high-interest-first/

Debt Repayment Worksheet - https://www.hoyes.com/debt-repayment-worksheet/

Debt Repayment & Consumer Proposal Calculator - https://www.hoyes.com/debt-repayment-calculator/

Read moreCollapse

483 – Why Are Credit Reports Always Wrong with Richard Moxley?

Season 10 · Episode 483

Saturday, December 2, 2023 • Duration 39:33

In this week's episode of Debt Free in 30, credit expert Richard Moxley returns to tackle the burning question: Why are credit reports always wrong? From the importance of credit ratings to practical tips on finding and fixing errors, we cover it all. Discover how to navigate post-insolvency challenges, handle account changes, and conquer stubborn collection accounts. Don't miss this deep dive into credit report complexities with actionable solutions!

Timestamps:

00:00 Introduction

01:21 Why is my credit rating important?

04:19 Do I care what's on my credit report if I don't plan to borrow?

07:54 Should you check your credit report for errors?

09:40 Is current employment updated on your credit report?

11:00 How do you I find errors on my credit report and what errors do I look for?

14:11 I filed a consumer proposal why is a creditor reporting I am behind on my payments?

17:25 What happens if you sue the credit bureaus.

20:36 Can you go to individual creditors to fix errors on late payments?

23:21 Are there any strategies you can use to fix errors on your credit report?

28:00 How much will it cost to have a credit expert fix the errors on my credit report?

29:08 Are free credit score apps worth it?

33:14 Disputes and account numbers

37:24 Concluding comments

Related Links:

Have a question or comment for a future show? Leave us a voice message here:

482 – Setting Yourself Up for Success in 2024 with an Annual Financial Checkup!

Season 10 · Episode 482

Saturday, November 25, 2023 • Duration 30:58

In this episode, Doug Hoyes is joined by Ted Michalos as they discuss the importance of doing an annual financial checkup. Doug explains the importance of having a plan and touches on various topics such as updating your will, insurance, investments, bank accounts, taxes, passwords, and debt. Now is the time to review your finances and make a plan for the new year so you can set yourself up for success!

Time Stamps

00:00 Introduction

01:20 Self Assessment

02:03 Review and Update Your Will

02:57 Power of Attorney for Personal Care & Power of Attorney Over Property

04:18 Insurance

04:24 Life Insurance

05:16 Term Insurance

06:15 Mortgage Insurance vs. Life Insurance

08:15 Medical/Disability Insurance

09:23 Asset Insurance (Car Insurance, Homeowners Insurance)

10:31 Credit Insurance

11:32 Investments

11:39 Do Investments Still Make Sense?

13:53 Bank Accounts

14:41 Should You Have More Than One Bank Account?

18:30 Big Banks vs. Virtual Banks Interest Rates and Fees

23:41 Should You Reconcile Your Bank Account?

25:36 Passwords

26:30 Taxes

26:58 Debt – Make a Plan

481 – Will You Ever Be Able to Retire? Exploring Retirement Planning Strategies with Financial Expert Rona Birenbaum

Season 10 · Episode 481

Saturday, November 18, 2023 • Duration 34:24

In this episode, Doug Hoyes discusses retirement planning with special guest Rona Birenbaum, a Certified Financial Planner at Caring for Clients. The episode covers various retirement-related topics, including the importance of financial planning, the role of financial advisors, and the complexities of decisions such as when to retire and when to start receiving government benefits like CPP.

The discussion emphasizes the need for careful consideration of lifestyle preferences, budgeting, and financial goals when planning for retirement. The conversation also touches on the role of debt in retirement planning, highlighting the benefits of entering retirement with minimal debt. The episode aims to provide valuable information and perspectives to help individuals navigate the complexities of retirement planning.

Related Links:

Have a question or comment for a future show? Leave us a voice message here: https://www.hoyes.com/dfi30comments

Caring for Clients: www.careingforclients.com

Caring for Clients Facebook: https://www.facebook.com/profile.php?id=100033419084831

Caring for Clients YouTube: https://www.youtube.com/channel/UCZZL3BipR9-ZCLgUsOXE3Ag

Caring for Clients Twitter:

480 – Increase in Homebuyers Cancelling Contracts: Here's What You Need to Know!

Season 10 · Episode 480

Saturday, November 11, 2023 • Duration 31:42

Doug Hoyes and Ted discuss a pressing issue that many Canadians face: the challenge of closing on a house when real estate prices have taken a hit. They discuss the complexities of the real estate market, particularly the implications for those who bought pre-construction homes or condos. They also explain the risks associated with pre-construction purchases, such as the potential loss of deposits and the financial difficulties of closing on a property with a lower appraised value. This episode provides practical advice and raises thought-provoking questions about the need for changes in deposit protection laws, shedding light on a crucial topic in today's housing market.

Tarion New Home Deposit Protection https://www.tarion.com/media/deposit-protection-takes-stress-out-buying-new-homes

Why a House Does Not Guarantee Financial Security https://www.hoyes.com/blog/why-a-house-does-not-guarantee-financial-security/

Debt Free in 30 – Details, episodes & analysis

Podcast details

Recent rankings

Apple Podcasts

Spotify

Shared links between episodes and podcasts

RSS feed quality and score

Publication history

Latest published episodes

Related Shows Based on Content Similarities

Apple Podcasts

Spotify

Related Shows Based on Content Similarities

Debt Free in 30 – Details, episodes & analysis

Podcast details

Recent rankings

Apple Podcasts

Spotify

Shared links between episodes and podcasts

Other99+

Youtube99+

Twitter28

RSS feed quality and score

Publication history

Latest published episodes

Similar podcasts and content

Related Shows Based on Content Similarities

Apple Podcasts

Spotify

Related Shows Based on Content Similarities

Other99+

Youtube99+

Twitter28