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Hoyes Michalos Debt Free in 30 Newsletter
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.