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Hoyes Michalos Debt Free in 30 Newsletter Archive

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Hoyes Michalos Debt Free in 30 Newsletter

A jar full of coins

Stay on Budget This Christmas

November 2019

Topics: Christmas Money Etiquette Advice, Request No Christmas Gifts This Year, Resist Rationalizations to Spend, Prevent Unnecessary Self-Gifting, Ways to Spend Your Bonus Wisely.

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Person reading terms and conditions document

3 Loan Scams To Avoid

October 2019

Topics: Beware of Advance Fee Loans, Credit Repair or Savings Loans Are Very Expensive, Consumer Proposal Loans Can Put You Back in Debt.

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Organized desk

Get Organized This Fall

September 2019

Topics: Managing Money on a Variable Income, 4 Steps to Marie Kondo Your Finances, Start Decluttering Your Mind, How Disorganization Can Become Costly, Free Debt Repayment Worksheet.

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Apartment for rent sign on lawn

Housing That Fits Your Budget

August 2019

Topics: Finding a Meaningful, Long-Term Rental, How To Know You're Ready To Buy, How Much Should You Spend on Housing?, Buy Less House Than You Can Afford, Can You Rent and Still Be Wealthy?.

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A basket of fresh vegetables and fish

Get Help With Your Food Budget

July 2019

Topics: Healthy Eating on a Budget, Create (And Stick To) Your Grocery Budget, Ways to Reduce Your Food Waste, Common Grocery Shopping Myths Busted, Free Budgeting Workbook.

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A red banner with text that says the big sale

Are You An Easy Sales Target?

June 2019

Topics: Let's Call a Spade a Spade, Don't Fall For These Retail Sales Tricks, Buy A Car On Your Own Terms, How To Deal With Realtors Wisely, Beware The Free Credit Score Trap.

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Many gears shaping a person's head

What Drives Your Money Behaviour?

May 2019

Topics: Is a Bad Credit Score Good For You, Take The Money Personality Quiz, 4 Ways To Tame Your Ego, 10 Personal Finance Myths Busted, Pay Off Debt Easily.

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Stressed woman with pot in her hand catching water from a leaking ceiling

Could You Handle a Money Emergency?

April 2019

Topics: Why You Need an Emergency Fund, Calculate How Much You Need To Save For An Emergency, 10 Ways To Use Your Tax Refund Wisely, It’s Never Too Late To Start Planning Your Estate, Instant Tax Refunds Are Expensive.

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Old lady giving away credit card information on the phone

Can You Spot a Scammer?

March 2019

Topics: Beware Fake CRA Phone Calls, Guard Your Heart and Your Wallet, Protect Your Credit Card From Fraud, Browse the Internet Safely, How to Check Your Credit Report For Free.

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Wedding cake with couple figurine on top of cake

Managing Money Jointly

February 2019

Topics: Are Joint Bank Accounts a Good Idea, Pros and Cons of Secondary Users on a Credit Card, The Real Risks of Home Ownership with Friends, 5 Options for Managing Money as a Couple, How Does Joint Debt Work.

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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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