Tax issues are not just about deductions. They come down to timing, habits, and the small decisions that add up over the year. This episode focuses on the practical systems that help you stay organized and avoid costly surprises at filing time.

Learn how to manage CRA accounts, avoid common filing mistakes, and build simple routines that can help prevent tax debt in 2026. Register for a CRA Account

Interest on Overdue Taxes Debt Repayment Calculator Debt Free Digest – a free monthly e-newsletter Hoyes Michalos YouTube Channel – Reliable Canadian Debt Answers by Experts 01:20 Two Things Many People Don't Know 07:05 CRA Time Lag 09:00 Filing Early vs Filing Smart 11:00 Installments: The Quiet Problem 13:00 Multiple Jobs and Side Income 15:00 Direct Deposit is Protection 15:40 Refund Psychology 17:00 If CRA Reassesses You 18:00 If You Owe CRA

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 personal guidance from 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, strategies, or digital tools/apps discussed.

603 – Prevent Tax Debt and Mistakes 2026