What does it really mean when you <a class="Hyperlink SCXW69769576 BCX8" href= "https://www.hoyes.com/blog/maxed-out-credit-cards-what-happens-and-what-to-do-about-it/" target="_blank" rel="noreferrer noopener">max out your credit card?</a> A maxed-out card may look like a credit problem, but often the real issue is cash flow: you're spending more each month than you have available, and credit is filling the gap. Take our free online course: <a class="Hyperlink SCXW69769576 BCX8" href= "https://courses.hoyes.com/courses/rebuild-credit" target="_blank" rel="noreferrer noopener">Hoyes Michalos Credit Rebuilding Course</a> Doug Hoyes and Ted Michalos explain what happens when you hit your credit limit, how maxed-out cards affect your credit utilization and borrowing options, and why simply asking for a higher limit may make the underlying problem worse. They discuss: <ul class="BulletListStyle1 SCXW69769576 BCX8" role="list"> <li class="OutlineElement Ltr SCXW69769576 BCX8" role="listitem" aria-setsize="-1" data-leveltext="" data-font="Symbol" data-listid="2" data-list-defn-props= "{"335552541":1,"335559685":720,"335559991":360,"469769226":"Symbol","469769242":[8226],"469777803":"left","469777804":"","469777815":"hybridMultilevel"}" data-aria-posinset="1" data-aria-level="1"> What happens when you max out a credit card </li> </ul> <ul class="BulletListStyle1 SCXW69769576 BCX8" role="list"> <li class="OutlineElement Ltr SCXW69769576 BCX8" role="listitem" aria-setsize="-1" data-leveltext="" data-font="Symbol" data-listid="2" data-list-defn-props= "{"335552541":1,"335559685":720,"335559991":360,"469769226":"Symbol","469769242":[8226],"469777803":"left","469777804":"","469777815":"hybridMultilevel"}" data-aria-posinset="2" data-aria-level="1"> How high credit utilization affects your credit </li> </ul> <ul class="BulletListStyle1 SCXW69769576 BCX8" role="list"> <li class="OutlineElement Ltr SCXW69769576 BCX8" role="listitem" aria-setsize="-1" data-leveltext="" data-font="Symbol" data-listid="2" data-list-defn-props= "{"335552541":1,"335559685":720,"335559991":360,"469769226":"Symbol","469769242":[8226],"469777803":"left","469777804":"","469777815":"hybridMultilevel"}" data-aria-posinset="3" data-aria-level="1"> The cost of making only minimum payments </li> </ul> <ul class="BulletListStyle1 SCXW69769576 BCX8" role="list"> <li class="OutlineElement Ltr SCXW69769576 BCX8" role="listitem" aria-setsize="-1" data-leveltext="" data-font="Symbol" data-listid="2" data-list-defn-props= "{"335552541":1,"335559685":720,"335559991":360,"469769226":"Symbol","469769242":[8226],"469777803":"left","469777804":"","469777815":"hybridMultilevel"}" data-aria-posinset="4" data-aria-level="1"> Why you may have reached your credit limit </li> </ul> <ul class="BulletListStyle1 SCXW69769576 BCX8" role="list"> <li class="OutlineElement Ltr SCXW69769576 BCX8" role="listitem" aria-setsize="-1" data-leveltext="" data-font="Symbol" data-listid="2" data-list-defn-props= "{"335552541":1,"335559685":720,"335559991":360,"469769226":"Symbol","469769242":[8226],"469777803":"left","469777804":"","469777815":"hybridMultilevel"}" data-aria-posinset="5" data-aria-level="1"> When a one-time expense is different from an ongoing cash-flow shortfall </li> </ul> <ul class="BulletListStyle1 SCXW69769576 BCX8" role="list"> <li class="OutlineElement Ltr SCXW69769576 BCX8" role="listitem" aria-setsize="-1" data-leveltext="" data-font="Symbol" data-listid="2" data-list-defn-props= "{"335552541":1,"335559685":720,"335559991":360,"469769226":"Symbol","469769242":[8226],"469777803":"left","469777804":"","469777815":"hybridMultilevel"}" data-aria-posinset="6" data-aria-level="1"> When increasing your credit limit can make sense, and when it can lead to more debt </li> </ul> <ul class="BulletListStyle1 SCXW69769576 BCX8" role="list"> <li class="OutlineElement Ltr SCXW69769576 BCX8" role="listitem" aria-setsize="-1" data-leveltext="" data-font="Symbol" data-listid="2" data-list-defn-props= "{"335552541":1,"335559685":720,"335559991":360,"469769226":"Symbol","469769242":[8226],"469777803":"left","469777804":"","469777815":"hybridMultilevel"}" data-aria-posinset="7" data-aria-level="1"> The risks of moving balances between credit cards </li> </ul> <ul class="BulletListStyle1 SCXW69769576 BCX8" role="list"> <li class="OutlineElement Ltr SCXW69769576 BCX8" role="listitem" aria-setsize="-1" data-leveltext="" data-font="Symbol" data-listid="2" data-list-defn-props= "{"335552541":1,"335559685":720,"335559991":360,"469769226":"Symbol","469769242":[8226],"469777803":"left","469777804":"","469777815":"hybridMultilevel"}" data-aria-posinset="8" data-aria-level="1"> How to take inventory of your debts, income and monthly expenses </li> </ul> <ul class="BulletListStyle1 SCXW69769576 BCX8" role="list"> <li class="OutlineElement Ltr SCXW69769576 BCX8" role="listitem" aria-setsize="-1" data-leveltext="" data-font="Symbol" data-listid="2" data-list-defn-props= "{"335552541":1,"335559685":720,"335559991":360,"469769226":"Symbol","469769242":[8226],"469777803":"left","469777804":"","469777815":"hybridMultilevel"}" data-aria-posinset="9" data-aria-level="1"> When cutting expenses may not be enough to solve the problem </li> </ul> <ul class="BulletListStyle1 SCXW69769576 BCX8" role="list"> <li class="OutlineElement Ltr SCXW69769576 BCX8" role="listitem" aria-setsize="-1" data-leveltext="" data-font="Symbol" data-listid="2" data-list-defn-props= "{"335552541":1,"335559685":720,"335559991":360,"469769226":"Symbol","469769242":[8226],"469777803":"left","469777804":"","469777815":"hybridMultilevel"}" data-aria-posinset="10" data-aria-level="1"> What options are available when you simply can't afford your debt payments </li> </ul> The key takeaway: hitting your credit limit isn't something to solve automatically by borrowing more. Look at why you reached the limit and whether your total debt is growing. A higher credit limit gives you more room to borrow, but it doesn't give you more income to repay what you owe. Learn more about licensed debt relief options available in Ontario at <a class="Hyperlink SCXW69769576 BCX8" href= "https://www.hoyes.com/" target="_blank" rel= "noreferrer noopener">https://www.hoyes.com,</a> and the Hoyes Michalos YouTube channel: <a class="Hyperlink SCXW69769576 BCX8" href="https://www.youtube.com/@hoyesmichalos" target="_blank" rel= "noreferrer noopener">https://www.youtube.com/@hoyesmichalos</a> Time Stamps: 00:00 Is maxing out your credit card really a credit problem? 01:16 What happens when you hit your credit limit? 02:05 When a low credit limit can make sense 03:26 Is a maxed-out card a warning sign of something else? 04:50 Why increasing your limit may not solve the problem 05:06 The problem with making minimum payments 05:44 How maxed-out cards affect your credit score 07:21 Can maxing out make it harder to borrow? 09:22 Why did you reach your credit limit? 10:15 One-time expense vs. recurring cash-flow problem 13:34 When credit starts hiding the real problem 14:07 Should you ask for a higher credit limit? 16:01 Can transferring debt to another card help? 16:54 When more available credit becomes dangerous 18:09 What should you do instead? 18:56 Start with an inventory of your debts 20:30 Which debts should you pay first? 21:44 Calculate what comes in — and where it goes 23:55 How to find room in your budget 25:36 What if cutting expenses isn't enough? 26:26 When a consumer proposal may be an option 28:23 Final Takeaway: Cash Is King when your debt is growing #CreditCardDebt #CreditLimit #MaxedOut #DebtFreeIn30 #HoyesMichalos

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 cash flow: you're spending more each month than you have available, and credit is filling the gap. Take our free online course: Hoyes Michalos Credit Rebuilding Course Doug Hoyes and Ted Michalos explain what happens when you hit your credit limit, how maxed-out cards affect your credit utilization and borrowing options, and why simply asking for a higher limit may make the underlying problem worse. They discuss: What happens when you max out a credit card How high credit utilization affects your credit The cost of making only minimum payments Why you may have reached your credit limit When a one-time expense is different from an ongoing cash-flow shortfall When increasing your credit limit can make sense, and when it can lead to more debt The risks of moving balances between credit cards How to take inventory of your debts, income and monthly expenses When cutting expenses may not be enough to solve the problem What options are available when you simply can't afford your debt payments The key takeaway: hitting your credit limit isn't something to solve automatically by borrowing more. Look at why you reached the limit and whether your total debt is growing. A higher credit limit gives you more room to borrow, but it doesn't give you more income to repay what you owe. Learn more about licensed debt relief options available in Ontario at https://www.hoyes.com, and the Hoyes Michalos YouTube channel: https://www.youtube.com/@hoyesmichalos Time Stamps: 00:00 Is maxing out your credit card really a credit problem? 01:16 What happens when you hit your credit limit? 02:05 When a low credit limit can make sense 03:26 Is a maxed-out card a warning sign of something else? 04:50 Why increasing your limit may not solve the problem 05:06 The problem with making minimum payments 05:44 How maxed-out cards affect your credit score 07:21 Can maxing out make it harder to borrow? 09:22 Why did you reach your credit limit? 10:15 One-time expense vs. recurring cash-flow problem 13:34 When credit starts hiding the real problem 14:07 Should you ask for a higher credit limit? 16:01 Can transferring debt to another card help? 16:54 When more available credit becomes dangerous 18:09 What should you do instead? 18:56 Start with an inventory of your debts 20:30 Which debts should you pay first? 21:44 Calculate what comes in — and where it goes 23:55 How to find room in your budget 25:36 What if cutting expenses isn't enough? 26:26 When a consumer proposal may be an option 28:23 Final Takeaway: Cash Is King when your debt is growing #CreditCardDebt #CreditLimit #MaxedOut #DebtFreeIn30 #HoyesMichalos

What does it really mean when you <a href="https://www.hoyes.com/blog/maxed-out-credit-cards-what-happens-and-what-to-do-about-it/" rel="noopener noreferrer">max out your credit card?</a> A maxed-out card may look like a credit problem, but often the real issue is cash flow: you're spending more each month than you have available, and credit is filling the gap. Take our free online course: <a href="https://courses.hoyes.com/courses/rebuild-credit" rel="noopener noreferrer">Hoyes Michalos Credit Rebuilding Course</a> Doug Hoyes and Ted Michalos explain what happens when you hit your credit limit, how maxed-out cards affect your credit utilization and borrowing options, and why simply asking for a higher limit may make the underlying problem worse. They discuss: <ul> <li> What happens when you max out a credit card </li> </ul> <ul> <li> How high credit utilization affects your credit </li> </ul> <ul> <li> The cost of making only minimum payments </li> </ul> <ul> <li> Why you may have reached your credit limit </li> </ul> <ul> <li> When a one-time expense is different from an ongoing cash-flow shortfall </li> </ul> <ul> <li> When increasing your credit limit can make sense, and when it can lead to more debt </li> </ul> <ul> <li> The risks of moving balances between credit cards </li> </ul> <ul> <li> How to take inventory of your debts, income and monthly expenses </li> </ul> <ul> <li> When cutting expenses may not be enough to solve the problem </li> </ul> <ul> <li> What options are available when you simply can't afford your debt payments </li> </ul> The key takeaway: hitting your credit limit isn't something to solve automatically by borrowing more. Look at why you reached the limit and whether your total debt is growing. A higher credit limit gives you more room to borrow, but it doesn't give you more income to repay what you owe. Learn more about licensed debt relief options available in Ontario at <a href="https://www.hoyes.com/" rel="noopener noreferrer">https://www.hoyes.com,</a> and the Hoyes Michalos YouTube channel: <a href="https://www.youtube.com/@hoyesmichalos" rel="noopener noreferrer">https://www.youtube.com/@hoyesmichalos</a> Time Stamps: 00:00 Is maxing out your credit card really a credit problem? 01:16 What happens when you hit your credit limit? 02:05 When a low credit limit can make sense 03:26 Is a maxed-out card a warning sign of something else? 04:50 Why increasing your limit may not solve the problem 05:06 The problem with making minimum payments 05:44 How maxed-out cards affect your credit score 07:21 Can maxing out make it harder to borrow? 09:22 Why did you reach your credit limit? 10:15 One-time expense vs. recurring cash-flow problem 13:34 When credit starts hiding the real problem 14:07 Should you ask for a higher credit limit? 16:01 Can transferring debt to another card help? 16:54 When more available credit becomes dangerous 18:09 What should you do instead? 18:56 Start with an inventory of your debts 20:30 Which debts should you pay first? 21:44 Calculate what comes in — and where it goes 23:55 How to find room in your budget 25:36 What if cutting expenses isn't enough? 26:26 When a consumer proposal may be an option 28:23 Final Takeaway: Cash Is King when your debt is growing #CreditCardDebt #CreditLimit #MaxedOut #DebtFreeIn30 #HoyesMichalos

630 – Maxed Out? The Real Problem Isn't Your Credit Limit

Why would a <a href= "https://www.hoyes.com/blog/the-pros-cons-of-a-pre-approved-credit-limit-increase/" target="_blank" rel="noopener">lender raise your credit limit when you're already struggling</a> to keep up? Credit approval algorithms look at your credit report and payment history, not your entire financial picture. You may be making every minimum payment on time while using a line of credit, cash advance, or buy now pay later plan just to keep up. To the lender, you can look like an ideal customer even while your debt grows every month. In this episode, Doug Hoyes and Ted Michalos explain how lenders decide who gets more credit, why credit limits can keep increasing, and what happens when the borrowing finally stops. To learn more about debt relief options, please visit us at <a href="https://www.hoyes.com/" target="_blank" rel="noopener">Hoyes Michalos Start Exploring Debt Relief in Ontario</a> They discuss: • Why being approved for credit doesn't mean you can afford it • Why lenders offer automatic credit limit increases • How borrowing to make minimum payments can hide financial trouble • The warning signs that your debt is becoming unmanageable • When a consolidation loan can help, and when it can make things worse • Why your bank account can be at risk if you owe money to the same bank • How to measure whether your financial situation is actually improving The key takeaway: don't use a lender's willingness to give you more credit as a measure of your financial health. Look at your total debt, your interest costs, and whether your balances are going up or down. Debt Free in 30 is hosted by Licensed Insolvency Trustees Doug Hoyes and Ted Michalos of Hoyes Michalos. <a id="menurd6g" class= "fui-Link ___1q1shib f2hkw1w f3rmtva f1ewtqcl fyind8e f1k6fduh f1w7gpdv fk6fouc fjoy568 figsok6 f1s184ao f1mk8lai fnbmjn9 f1o700av f13mvf36 f1cmlufx f9n3di6 f1ids18y f1tx3yz7 f1deo86v f1eh06m1 f1iescvh fhgqx19 f1olyrje f1p93eir f1nev41a f1h8hb77 f1lqvz6u f10aw75t fsle3fq f17ae5zn" title="https://www.hoyes.com/debt-repayment-calculator" href= "https://www.hoyes.com/debt-repayment-calculator" target="_blank" rel="noopener" aria-label= "Link https://www.hoyes.com/debt-repayment-calculator">Hoyes Michalos Repayment Calculator</a> <a id="menurd6i" class= "fui-Link ___1q1shib f2hkw1w f3rmtva f1ewtqcl fyind8e f1k6fduh f1w7gpdv fk6fouc fjoy568 figsok6 f1s184ao f1mk8lai fnbmjn9 f1o700av f13mvf36 f1cmlufx f9n3di6 f1ids18y f1tx3yz7 f1deo86v f1eh06m1 f1iescvh fhgqx19 f1olyrje f1p93eir f1nev41a f1h8hb77 f1lqvz6u f10aw75t fsle3fq f17ae5zn" title="https://courses.hoyes.com/courses/rebuild-credit" href= "https://courses.hoyes.com/courses/rebuild-credit" target="_blank" rel="noopener" aria-label= "Link https://courses.hoyes.com/courses/rebuild-credit">Credit Rebuilding Course and Other Free Resources</a> <a id="menurd6k" class= "fui-Link ___1q1shib f2hkw1w f3rmtva f1ewtqcl fyind8e f1k6fduh f1w7gpdv fk6fouc fjoy568 figsok6 f1s184ao f1mk8lai fnbmjn9 f1o700av f13mvf36 f1cmlufx f9n3di6 f1ids18y f1tx3yz7 f1deo86v f1eh06m1 f1iescvh fhgqx19 f1olyrje f1p93eir f1nev41a f1h8hb77 f1lqvz6u f10aw75t fsle3fq f17ae5zn" title="http://www.hoyes.com/about-hoyes-michalos/" href= "http://www.hoyes.com/about-hoyes-michalos/" target="_blank" rel= "noopener" aria-label= "Link http://www.hoyes.com/about-hoyes-michalos/">Start Exploring Debt Relief in Ontario</a> <a id="menurd6m" class= "fui-Link ___1q1shib f2hkw1w f3rmtva f1ewtqcl fyind8e f1k6fduh f1w7gpdv fk6fouc fjoy568 figsok6 f1s184ao f1mk8lai fnbmjn9 f1o700av f13mvf36 f1cmlufx f9n3di6 f1ids18y f1tx3yz7 f1deo86v f1eh06m1 f1iescvh fhgqx19 f1olyrje f1p93eir f1nev41a f1h8hb77 f1lqvz6u f10aw75t fsle3fq f17ae5zn" title="http://www.youtube.com/@hoyesmichalos/videos" href= "http://www.youtube.com/@hoyesmichalos/videos" target="_blank" rel= "noopener" aria-label= "Link http://www.youtube.com/@hoyesmichalos/videos">Watch Our Library of Free Videos on YouTube!</a> Time Stamps: 00:00 Why do lenders keep giving you more credit? 01:16 How lenders decide whether to approve you 02:16 What your lender doesn't know about your finances 03:31 Why credit limits keep increasing 05:01 Should you accept a credit limit increase? 06:44 How lenders encourage you to borrow more 07:42 How the debt cycle begins 10:00 How people accumulate debt while staying current 11:07 Robbing Peter to pay Paul: modern-day kiting 13:12 What happens when the credit finally stops 15:36 Can a consolidation loan help? 16:50 The risk of consolidating credit card debt 19:34 Why your bank account could be at risk 21:21 Warning signs your debt is becoming a problem 23:51 Make a list of your debts 25:47 Look at what you own, too 26:47 Think about interest in hours worked 28:25 The key takeaway If you need credit card debt help, start by listing every debt, rate and payment — and track your total, not just minimums. To learn more about debt relief options, please visit us at <a href="https://www.hoyes.com/" target= "_blank" rel="noopener">https://www.hoyes.com</a>

Why would a lender raise your credit limit when you're already struggling to keep up? Credit approval algorithms look at your credit report and payment history, not your entire financial picture. You may be making every minimum payment on time while using a line of credit, cash advance, or buy now pay later plan just to keep up. To the lender, you can look like an ideal customer even while your debt grows every month. In this episode, Doug Hoyes and Ted Michalos explain how lenders decide who gets more credit, why credit limits can keep increasing, and what happens when the borrowing finally stops. To learn more about debt relief options, please visit us at Hoyes Michalos Start Exploring Debt Relief in Ontario They discuss: • Why being approved for credit doesn't mean you can afford it • Why lenders offer automatic credit limit increases • How borrowing to make minimum payments can hide financial trouble • The warning signs that your debt is becoming unmanageable • When a consolidation loan can help, and when it can make things worse • Why your bank account can be at risk if you owe money to the same bank • How to measure whether your financial situation is actually improving The key takeaway: don't use a lender's willingness to give you more credit as a measure of your financial health. Look at your total debt, your interest costs, and whether your balances are going up or down. Debt Free in 30 is hosted by Licensed Insolvency Trustees Doug Hoyes and Ted Michalos of Hoyes Michalos. Hoyes Michalos Repayment Calculator Credit Rebuilding Course and Other Free Resources Start Exploring Debt Relief in Ontario Watch Our Library of Free Videos on YouTube! Time Stamps: 00:00 Why do lenders keep giving you more credit? 01:16 How lenders decide whether to approve you 02:16 What your lender doesn't know about your finances 03:31 Why credit limits keep increasing 05:01 Should you accept a credit limit increase? 06:44 How lenders encourage you to borrow more 07:42 How the debt cycle begins 10:00 How people accumulate debt while staying current 11:07 Robbing Peter to pay Paul: modern-day kiting 13:12 What happens when the credit finally stops 15:36 Can a consolidation loan help? 16:50 The risk of consolidating credit card debt 19:34 Why your bank account could be at risk 21:21 Warning signs your debt is becoming a problem 23:51 Make a list of your debts 25:47 Look at what you own, too 26:47 Think about interest in hours worked 28:25 The key takeaway If you need credit card debt help, start by listing every debt, rate and payment — and track your total, not just minimums. To learn more about debt relief options, please visit us at https://www.hoyes.com

Why would a <a href="https://www.hoyes.com/blog/the-pros-cons-of-a-pre-approved-credit-limit-increase/" rel="noopener noreferrer">lender raise your credit limit when you're already struggling</a> to keep up? Credit approval algorithms look at your credit report and payment history, not your entire financial picture. You may be making every minimum payment on time while using a line of credit, cash advance, or buy now pay later plan just to keep up. To the lender, you can look like an ideal customer even while your debt grows every month. In this episode, Doug Hoyes and Ted Michalos explain how lenders decide who gets more credit, why credit limits can keep increasing, and what happens when the borrowing finally stops. To learn more about debt relief options, please visit us at <a href="https://www.hoyes.com/" rel="noopener noreferrer">Hoyes Michalos Start Exploring Debt Relief in Ontario</a> They discuss: • Why being approved for credit doesn't mean you can afford it • Why lenders offer automatic credit limit increases • How borrowing to make minimum payments can hide financial trouble • The warning signs that your debt is becoming unmanageable • When a consolidation loan can help, and when it can make things worse • Why your bank account can be at risk if you owe money to the same bank • How to measure whether your financial situation is actually improving The key takeaway: don't use a lender's willingness to give you more credit as a measure of your financial health. Look at your total debt, your interest costs, and whether your balances are going up or down. Debt Free in 30 is hosted by Licensed Insolvency Trustees Doug Hoyes and Ted Michalos of Hoyes Michalos. <a title="https://www.hoyes.com/debt-repayment-calculator" href="https://www.hoyes.com/debt-repayment-calculator" rel="noopener noreferrer">Hoyes Michalos Repayment Calculator</a> <a title="https://courses.hoyes.com/courses/rebuild-credit" href="https://courses.hoyes.com/courses/rebuild-credit" rel="noopener noreferrer">Credit Rebuilding Course and Other Free Resources</a> <a title="http://www.hoyes.com/about-hoyes-michalos/" href="http://www.hoyes.com/about-hoyes-michalos/" rel="noopener noreferrer">Start Exploring Debt Relief in Ontario</a> <a title="http://www.youtube.com/@hoyesmichalos/videos" href="http://www.youtube.com/@hoyesmichalos/videos" rel="noopener noreferrer">Watch Our Library of Free Videos on YouTube!</a> Time Stamps: 00:00 Why do lenders keep giving you more credit? 01:16 How lenders decide whether to approve you 02:16 What your lender doesn't know about your finances 03:31 Why credit limits keep increasing 05:01 Should you accept a credit limit increase? 06:44 How lenders encourage you to borrow more 07:42 How the debt cycle begins 10:00 How people accumulate debt while staying current 11:07 Robbing Peter to pay Paul: modern-day kiting 13:12 What happens when the credit finally stops 15:36 Can a consolidation loan help? 16:50 The risk of consolidating credit card debt 19:34 Why your bank account could be at risk 21:21 Warning signs your debt is becoming a problem 23:51 Make a list of your debts 25:47 Look at what you own, too 26:47 Think about interest in hours worked 28:25 The key takeaway If you need credit card debt help, start by listing every debt, rate and payment — and track your total, not just minimums. To learn more about debt relief options, please visit us at <a href="https://www.hoyes.com/" rel="noopener noreferrer">https://www.hoyes.com</a>

629 – Why Lenders Keep Giving You More Credit (Even When You're Struggling)

Today's guest is one of the most well-known personal finance experts in Canada, Gail Vaz-Oxlade. Gail was the host of three popular television shows: <ul type="disc"> <li class="MsoNormal">Till Debt Do Us Part</li> <li class="MsoNormal">Princess</li> <li class="MsoNormal">Money Moron</li> </ul> She is also a very prolific writer, having written for many publications, and she is also the author of 12 books. Her latest book is Money Rules, and it does a great job of debunking some of the rules about money we follow that we should never have followed in the first place. Gail explains why she no longer has any desire to appear on reality TV, and what she thinks we need to do to improve our money management skills.

Today's guest is one of the most well-known personal finance experts in Canada, Gail Vaz-Oxlade. Gail was the host of three popular television shows: Till Debt Do Us Part Princess Money Moron She is also a very prolific writer, having written for many publications, and she is also the author of 12 books. Her latest book is Money Rules, and it does a great job of debunking some of the rules about money we follow that we should never have followed in the first place. Gail explains why she no longer has any desire to appear on reality TV, and what she thinks we need to do to improve our money management skills.

Today's guest is one of the most well-known personal finance experts in Canada, Gail Vaz-Oxlade. Gail was the host of three popular television shows: <ul> <li>Till Debt Do Us Part</li> <li>Princess</li> <li>Money Moron</li> </ul> She is also a very prolific writer, having written for many publications, and she is also the author of 12 books. Her latest book is Money Rules, and it does a great job of debunking some of the rules about money we follow that we should never have followed in the first place. Gail explains why she no longer has any desire to appear on reality TV, and what she thinks we need to do to improve our money management skills.

3 - Is Reality TV Real? – Gail Vaz-Oxlade

The fastest growing age group of people who declare bankruptcy are seniors. How is that possible? Isn't it true that seniors are the richest generation, benefiting from high real estate values and company pensions? While some seniors are financially secure, a large group of seniors face serious financial challenges. In today's podcast, Dr. Lee Anne Davies, co-author of When Life Bites You in the Wallet, discusses the financial challenges faced by seniors, and gives practical advice for over-coming Bag Lady Fears.

The fastest growing age group of people who declare bankruptcy are seniors. How is that possible? Isn't it true that seniors are the richest generation, benefiting from high real estate values and company pensions? While some seniors are financially secure, a large group of seniors face serious financial challenges. In today's podcast, Dr. Lee Anne Davies, co-author of When Life Bites You in the Wallet, discusses the financial challenges faced by seniors, and gives practical advice for over-coming Bag Lady Fears.

2 - Seniors and Debt - Bag Lady Fears

Host Doug Hoyes talks to Ted Michalos about the new Debt Free in 30 radio show and podcast. In this first episode they discuss their plan for the show in the first segment. In the second segment Ted explains his biggest "pet peeve": payday loans. In the bonus podcast-only segment Doug and Ted give practical advice on what to do when you have a short term cash flow crunch and you are tempted to use payday loans.

Host Doug Hoyes talks to Ted Michalos about the new Debt Free in 30 radio show and podcast. In this first episode they discuss their plan for the show in the first segment. In the second segment Ted explains his biggest "pet peeve": payday loans. In the bonus podcast-only segment Doug and Ted give practical advice on what to do when you have a short term cash flow crunch and you are tempted to use payday loans.

1 - Ted Michalos Rants About Payday Loans

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.

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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.

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