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Hoyes Michalos Debt Free in 30 Newsletter Archive

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Hoyes Michalos Debt Free in 30 Newsletter

A lit candle among unlit candles to signify resilience

Emerge Financially Stronger

September 2020

Topics: Emergency Fund or Credit Card Debt?; Create a Plan for When CERB Runs Out; Download Free Debt Repayment Worksheet; Pay Close Attention to Cashless Spending; How to Build Resilience in the Era of COVID-19; PC Card Giveaway; Dealing with Deferrals When Deferral Period Ends.

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A calculator, Canadian cash bills and the word tax on a table

Navigating Taxes on COVID-19 Benefits

August 2020

Topics: CERB is a Taxable Benefit; CRA Extends 2019 Tax Payment Due Date; Unfiled Taxes May Cause Benefits Interruption; $442 Million in CERB Double-Payments Were Accidentally Sent Out; How to Return CERB Over-Payments, Double Payments, Ineligible Payments; Staples Gift Card Giveaway; Would Printing More Money Solve Our Economic Problems.

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A desk with a laptop, coffee, and a sign that says goal, plan, action on it

Maintaining New Financial Habits

July 2020

Topics: Build an Emergency Fund, Use Visual Cues to Stick to Your Habits, The Benefits of Automated Savings, How to Add Purpose To Your Money, Canadian Tire Giveaway, Make Small Micropayments Towards Your Debts.

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A calculator on spreadsheets

Dealing with Payment Deferrals

June 2020

Topics: Managing Deferred Payments When They Come Due; How Much Should You Save for CERB; Check Your Credit Report for Errors; 10 Ways to Make it Through Life's Transitions; $50 Cineplex Giveaway; Beware the Payday Loan Modification Trap.

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Date on calendar marked for rent payment due

Protect Your Finances In The Crisis

May 2020

Topics: Beware the Lending Vultures, Tenant's Guide to No Rent Negotiation, How to Ask for Credit Card Payment Deferrals, Beware Illegal Advance-Fee Loans, $50 Dollarama Gift Card, Eliminate Car Loan Debt.

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Spreadsheets scattered and a calculator and coffee cup

Tools to Prioritize Your Money

April 2020

Topics: Can CERB Payments Be Garnished, Budgeting Worksheet to Keep Track of Spending, Debt Repayment Worksheet for Managing Debts, Spending Habits Calculator to Cut Back on Non-Essential Expenses, PC Gift Card Giveaway, How Will COVID-19 Impact Housing.

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A shark in the water to signify predatory lending

Avoid Predatory Lending

March 2020

Topics: Beware Extremely High Interest Loans, 7 Predatory Lending Warning Signs, TD Charging Compound Interest, Cautionary Tale About Savings Loans, Walmart Giveaway, Instant Tax Refunds.

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Two children and mom doing crafts

Let’s Talk Family Finances

February 2020

Topics: Manage the Cost of Kids' Sports, Money Conversation Without Awkwardness, What to Know About Blended Family Finances, 3 Conversations When Your Adult Child Moves Back Home, Minimize Debt As Your Family Grows.

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Woman looking through different Canadian money bills

Rule Your Money

January 2020

Topics: MoneyMasterClass, Be Proactive About Your Money, Avoid Financial Discouragement, Turn Buyer's Remorse Into Better Financial Habits, Money Rule Book Giveaway.

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Building blocks getting higher to signify strong end

End Strong & Start Strong With Your Money

December 2019

Topics: Watch Our For Holiday Marketing, Forgiveness is the Key to Money Happiness, You Are More Than a Consumer, 10 Simple Ways to Get Organized for 2020, Gail's #MoneyMasterClass.

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Hoyes Michalos - Licensed Insolvency Trustee

Hoyes Michalos provides residents of Ontario burdened with debt a fresh start. As Licensed Insolvency Trustee (also known as bankruptcy trustees) regulated by Industry Canada, we provide free initial consultations to explain all your debt relief options, including credit counselling, debt settlement, debt consolidation, consumer proposal and personal bankruptcy.

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