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 Credit Rebuilding Course 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.