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534 – How to Stay Motivated While Paying Off Debt
Manage episode 451616889 series 3592019
Struggling to stay motivated while repaying debt? You're not alone!
Charlie Kovacs, BIA Insolvency Counselor with Hoyes Michalos, joins Debt Free in 30 to share practical strategies to help you stay focused, celebrate small victories, and shift your mindset from guilt to empowerment.
Whether juggling student loans, tackling "life quakes," or just figuring out how to prioritize debt, this episode offers expert advice to keep you on track. Sign up for the monthly Debt Free Digest HERE
Hoyes Michalos Instagram Hoyes Michalos Facebook Hoyes Michalos TikTok Hoyes Michalos Twitter (X) Hoyes Michalos LinkedIn
Timestamps
(2:50) – Is Tracking Progress Essential for Debt Repayment?
(4:30) – The Power of Small, Daily Financial Decisions
(5:40) – How Often Should You Review Your Progress?
(6:40) – Celebrating Wins: The Role of Little Rewards
(8:30) – Ontario Student Loans: Current Trends
(10:15) – Prioritizing Debt: Revolving vs. Installment Loans
(11:20) – Life Quakes: Handling Major Financial Disruptions
(15:30) – How a Financial Professional Can Transform Your Debt Journey
(18:20) – Support Systems: Friends and Family's Impact on Motivation
(20:50) – Shifting Your Financial Mindset
(25:00) – Your Emergency Fund’s Purpose
(28:30) – Practical Advice for Tracking Progress
Should I Pay Off a Credit Card with a Credit Card? Can You Be Forced into Involuntary Bankruptcy? Straight Talk on Your Money by Doug Hoyes
Hoyes Michalos Blog Find a Hoyes Michalos Office in Your Area Here
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 personalized advice from a qualified financial advisor. Always consult with 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 or strategies discussed.
542 episodes
Manage episode 451616889 series 3592019
Struggling to stay motivated while repaying debt? You're not alone!
Charlie Kovacs, BIA Insolvency Counselor with Hoyes Michalos, joins Debt Free in 30 to share practical strategies to help you stay focused, celebrate small victories, and shift your mindset from guilt to empowerment.
Whether juggling student loans, tackling "life quakes," or just figuring out how to prioritize debt, this episode offers expert advice to keep you on track. Sign up for the monthly Debt Free Digest HERE
Hoyes Michalos Instagram Hoyes Michalos Facebook Hoyes Michalos TikTok Hoyes Michalos Twitter (X) Hoyes Michalos LinkedIn
Timestamps
(2:50) – Is Tracking Progress Essential for Debt Repayment?
(4:30) – The Power of Small, Daily Financial Decisions
(5:40) – How Often Should You Review Your Progress?
(6:40) – Celebrating Wins: The Role of Little Rewards
(8:30) – Ontario Student Loans: Current Trends
(10:15) – Prioritizing Debt: Revolving vs. Installment Loans
(11:20) – Life Quakes: Handling Major Financial Disruptions
(15:30) – How a Financial Professional Can Transform Your Debt Journey
(18:20) – Support Systems: Friends and Family's Impact on Motivation
(20:50) – Shifting Your Financial Mindset
(25:00) – Your Emergency Fund’s Purpose
(28:30) – Practical Advice for Tracking Progress
Should I Pay Off a Credit Card with a Credit Card? Can You Be Forced into Involuntary Bankruptcy? Straight Talk on Your Money by Doug Hoyes
Hoyes Michalos Blog Find a Hoyes Michalos Office in Your Area Here
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 personalized advice from a qualified financial advisor. Always consult with 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 or strategies discussed.
542 episodes
Tous les épisodes
×1 541 – A House Is Not an Investment If You Can’t Afford It 31:05
1 540 – How the New Criminal Interest Rate Affects You 31:48
1 539 – Canadian Insolvency and Economic Trends in 2025 31:37
1 538 – Financial Caregiving: Taking Care of Aging Parents While Tackling Debt 31:44
1 537 – The True Cost of Borrowing 31:36
1 536 – How to Handle Maxed-Out Credit Cards 31:38
1 535 – How Seasonal Workers Can Manage Income and Debt 30:39
1 534 – How to Stay Motivated While Paying Off Debt 32:45
1 533 – What Happens If You Can’t Pay Your Mortgage – Feat. Scott Terrio 36:39
1 532 – Financial Fitness Check: How to Assess Your Financial Health 30:17
1 531 – Why Popular Budgeting Techniques Don’t Work 33:09
1 530 – How To Use Credit Cards to Boost Your Credit Score 30:43
1 529 – Good Debt vs Bad Debt: How to Know When Debt is Smart or Risky 29:45
1 528 – Illegal Debt Collection Tactics: Know Your Rights (ft. Blair DeMarco Wettlaufer) 34:25
1 527 – Debt After Death: Can You Inherit Debt in Canada? 30:09
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