630 – Maxed Out? The Real Problem Isn't Your Credit Limit
What does it really mean when you max out your credit card? A maxed-out card may look like a credit problem, but often the real issue is cas...
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Debt Free in 30
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.
Episodes
20 of 632 episodes629 – Why Lenders Keep Giving You More Credit (Even When You're Struggling)
Why would a lender raise your credit limit when you're already struggling to keep up? Credit approval algorithms look at your credit report...
628 - Only 780 Trustees for 40 Million Canadians: What It Takes
What does it actually take to become a Licensed Insolvency Trustee (LIT) in Canada? Hint: It's not just a quick course and a quick test. In...
627 - SEASON OPENER: The Most Dangerous Thing About Debt? — You've Given In
Are you making every payment on time but your credit card balance never moves? You're not managing debt — you're just managing cash flow. In...
626 - The Best Debt Warnings From Our Experts | Doug Hoyes & Ted Michalos
Are you ignoring the warning signs of debt? Licensed Insolvency Trustees Doug Hoyes & Ted Michalos share the best debt warnings every Canadi...
625 - Best Of Day-To-Day Debt Management Advice
Day-to-day debt shouldn't control your life — but for a lot of Canadians, it does.In this special 20-minute compilation of Debt Free in 30,...
624 - The Best Mortgage and Housings Advice From Our Experts
Are you prepared for the mortgage renewal cliff? Learn how the 2026 renewal cycle might affect your household budget and finances.Doug Hoyes...
623 - Best Of Tough Debt Decisions
Are you struggling with financial tightness despite making all your minimum payments? Learn how to break the cycle of debt today with our cl...
622 – What I Told Parliament About Canada's Debt Crisis
What happens when a Licensed Insolvency Trustee gets five minutes to tell Parliament what's really happening with debt in Canada? Doug Hoyes...
621 - Is The Lure of Convenience Spending Blowing Your Budget?
Avoid the convenience spending trap and stop accidental debt. Learn how small everyday habits trap you in financial stress and how to break...
620 - The Cost of Caring: Balancing Generosity and Debt
Each week Doug Hoyes talks to industry experts about debt, money, and personal finance. Don't be confused; listen as the guest experts cut t...
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...
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...
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 pe...
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 provide...
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 fina...
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 relati...
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...
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 peopl...
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...