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Category: Budgeting

Break glass in case of emergency

By Paul Murphy

Your Survival plan – When your payments exceed your income. Let’s not beat around the bush, these are scary and stressful times. Remaining physically healthy is the priority — and thankfully, most of us seem to be achieving that.  However, very few of us can say our current or future financial situation is a healthy … Continue reading Break glass in case of emergency

A 10-step money management plan to organize your finances

By Paul Murphy

20-year financial veteran Paul Murphy explains his system for building a realistic money management plan. If you’d like an expert to review your debt situation, you can contact your local 4 Pillars office here.  After working in the finance industry for 20 years, there’s one truth that seems to be proven again and again: people … Continue reading A 10-step money management plan to organize your finances

Impact of Increasing Interest Rates on Debt

By Trevor Glasser

  This past July, after seven years of leaving its key interest rate steady at near-historic lows, the Bank of Canada increased its overnight rate by 0.25 percentage points to 0.75 percent. In September, the bank raised it another quarter-point to 1.0 percent amid strong economic growth. While we’re unlikely to see another increase this year, they … Continue reading Impact of Increasing Interest Rates on Debt


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