Escaping Debt & Thriving Beyond: Recent Episodes
David Moffatt
Everything about Debt, Finances, Budgeting, and Credit. Knowing how to deal with debt and your finances were tough enough 30-40 years ago - but today, with all of the mega-corporations fighting for your dollars, the banks looking to profit off you, and the financial services industry being designed to service the wealthy how does one get ahead? Look no further. While getting out of debt and improving your finances isn't a simple or easy task - it will be easier with someone by your side. Join David Moffatt as he discusses everything to do with debt, finances, budgeting and credit. David Moffatt has personally assisted in restructuring over 30 million dollars of consumer debt which has positively impacted the lives of thousands. He is also the author of Behaviour Before Math - A book on the fundamentals of personal finance. He is a debt consolidation and debt relief expert.
Welcome back to the Escaping Debt & Thriving Beyond podcast. Today we are covering how to properly determine how much income you make and expenses you have. This often forgotten step is a core fundamental of budgeting & personal finances in general.
Hello everyone - welcome back to the Escaping Debt Podcast! We are thrilled to announce that we are coming back, better than ever. We are excited to announce that we are going to be renaming the podcast as well to 'Escaping Debt & Thriving Beyond'.
We are going to move past simply discussing debt, but instead get into a variety of topics ranging from savings, investing, general personal finance, debt, and so much more. We hope you enjoy and are looking forward to helping you achieve the life you want to achieve.
Emergency funds are a very big debate in the personal finance space. Should they be 3 months in size, 6 months in size, larger? Should they be based on your income or your expenses? Join David Moffatt, your host, as he discusses the topic.
Have you attempted to create a budget and find it impossible? Look no further - Join David Moffatt, your host, as he discusses various budgeting systems you can try. There are no one size fits all solution when it comes to finances. Find the system that works best for you.
Trying to save money? Look no further. Join your host, David Moffatt, as he discusses the 5 items you can absolutely save money on.
Saving money doesn't have to be complicated. The goal is incremental improvements over time.
Homeownership is a dream for many. And while we don't want to discourage anyone from homeownership we do want to educate our audience on the real apples to apples comparison that needs to occur when someone is considering purchasing a home vs continuing to rent.
Join your host, David Moffatt, and guest, David Clarke as they discuss this topic.
Welcome back to the escaping debt podcast. Have you ever wanted to buy a house and weren't quite sure of all the costs involved. Join your host, David Moffatt, and guest, David Clarke, as they discuss the true costs of purchasing a home.
Welcome back to the Escaping Debt Podcast hosted by David Moffatt. Today we have a special guest, Ben Kinden of Kinden Accounting! Ben Kinden is CPA and has worked with some of the largest accounting firms in the world. Today he joins David for a conversation about where people go wrong with their taxes, people starting new businesses, and other general topics.
Learn more about restructuring at www.halifaxdebtfreedom.ca
Welcome back to the Escaping Debt Podcast hosted by David Moffatt. Today we have a special guest, Hayley! She is a member of the 4 Pillars Halifax Team and handles many of the inbound inquiries into the offices. This gives her a unique insight into the biggest fears people have when reaching out.
Learn more about restructuring at www.halifaxdebtfreedom.ca
Welcome back to the Escaping Debt podcast with your host, David Moffatt. Today he covers the various benefits of invasive debt restructuring and how they can be used to drastically improve one's life.
Learn more about restructuring at www.halifaxdebtfreedom.ca
Welcome back to the Escaping Debt podcast with your host, David Moffatt. Today we will be discussing if debt collectors and creditors will accept a settlement offer made by a consumer. In short the answer is yes, but there are many factors to consider.
Learn more about restructuring: www.halifaxdebtfreedom.ca
Welcome back to the Escaping Debt Podcast with your host, David Moffatt. Today we are covering a topic I have written an article on (linked below) about the secret to getting out of credit card debt. Hope this helps!
Companion article: https://www.halifaxdebtfreedom.ca/getting-out-of-credit-card-debt/
Welcome back to the Escaping Debt Podcast with your host, David Moffatt.
Today David discusses how you can simplify your finances to help yourself succeed. We overcomplicate our lives in general, including our finances. Take charge of your finances!
Bank fees are often overlooked because we 'need' to pay them but they certainly add up. Join your host, David Moffatt, as he reviews the true cost of bank fees and how you can avoid them!
Wondering if you should take a balance transfer offer from your bank? Join David Moffatt, your host, in discussing this exact topic!
Overdrafts are often used a safety net... but should they? Join David Moffatt, your host, as he dives into what they are, how they work, the downfalls, and how you can get yourself out of the overdraft pit.
Struggling with debt but are considering buying a home? David Clarke, award-winning mortgage broker, joins our host David Moffatt again to discuss this topic in-depth.
Welcome back to the podcast! Today David Moffatt, your host, will be discussing the real costs of eating out for lunch. Everyone thinks it is just about the $10-15 they spend per meal but it is much more complicated than that.
Learn more today!
Knowing when Debt Restructuring doesn't make sense is equally if not more important than knowing when it does. Welcome back to the Escaping Debt podcast with your host, David Moffatt. Today he'll be discussing when restructuring does not make sense. You might be surprised!
Welcome back to the Escaping Debt podcast with your host, David Moffatt.
Today we are discussing the Top 3 Myths of Debt Restructuring. Debt restructuring is a scary thing often times but it doesn't have to be. Learn the myths so you can be properly educated!
Today we have a guest, David Clarke who owns The Clarke Mortgage Group. He is an award-winning mortgage broker. We have a conversation about how if you have equity in a home refinancing may (or may not) be a great option to tackle your debt!
Visit our website at www.halifaxdebtfreedom.ca
Have you ever gone to the bank and they said your debt service ratios were too high? Or that your ratios were very low? Today we cover why listening to your bank (and this ratio) is a very bad idea when deciding whether to get a loan or not.
Managing credit card debt effectively can sometimes be tough. Today - we cover a few tips and tricks on making sure you can tackle credit card debt quickly and easily.
In this episode, we are going to be covering how to properly budget and create a money management system that is designed for success.
As always if you have any questions or comments email us at halifax@4pillars.ca
Welcome to episode 4 of the Escaping Debt podcast hosted by David Moffatt! In this episode, we are going to be covering why your credit really doesn't actually matter if you are struggling with debt.
As always, if you have any questions for David please email Halifax@4pillars.ca
Welcome to Episode 3 of the escaping debt podcast. This is an episode you shouldn't miss. We will be covering what NOT to do when your debt is spiraling out of control.
Do you know how much debt is too much debt? We answer that in Episode 2 of Escaping Debt Podcast with your host David Moffatt.
Tune in to Episode 1 where we talk about 5 things you don't know about debt forgiveness!
Welcome to the Escaping Debt Podcast with host David Moffatt.
Imagine escaping your debt. Imagine a life filled without the worry and burden that debt causes. This is what we aim to achieve. The Escaping Debt Podcast will cover off topics of Debt, Credit, Budgeting, and General Finance.