You need strategies that go beyond budgeting apps. Doug Hoyes and Ted Michalos are experts who've seen it all – and they offer practical, honest advice to build momentum and pay off debt faster. Learn what you can do before considering insolvency, how to know if you're at that point, and what to do if you are—a clear, actionable guide for Canadians.

(00:30) How Interest Works (and How to Make It Work for You) (04:00) Why You Should Pay Off High-Interest Credit Cards First (08:00) Realistic DIY Strategies to Eliminate Debt (13:10) What to Do with Windfalls or Extra Income (14:30) Micropayments: Small but Mighty (15:30) Paying Bills with Debt in Mind (17:00) Boosting and Rebuilding Your Credit Score (19:30) How and Why to Automate Your Finances (22:00) Debt Consolidation: Pros and Cons (26:00) When to Consider a Consumer Proposal or Bankruptcy (28:00) What's Coming Next on Debt Free in 30

Financial Consumer Agency of Canada – Tools and Calculators Debt Repayment Worksheet Debt Repayment / Consumer Proposal Calculator Hoyes Michalos Debt-to-Income Ratio Calculator Hoyes Michalos YouTube Channel

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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.