This article is by Paul Murphy, our VP and financial literacy expert with 15+ years of investment and banking industry experience. Table of Contents How credit card interest is calculated in 2025 Are credit card interest rates monthly or yearly? What if you just make the minimum payments? How long will it take you … Continue reading How Does Credit Card Interest Work in Canada? (2025 Update)
If your debts are too high for you to pay off, a consumer proposal may be a vital avenue to starting a debt-free life — however, many are cautious about starting a consumer proposal when their debts are co-signed. Can you start a consumer proposal if the debt is co-signed? Will the co-signer be forgiven … Continue reading Can I Start a Consumer Proposal If My Debt is Co-Signed?
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
Choice verses No Choice: Discovering your Debt Options We are a society that thrives on choice. Options are everywhere! And that’s not a bad thing, unless you’re stuck in line behind the guy trying to order some fancy coffee. One pump or two, large, medium, small or micro, fat or non-fat, toppings, added flavors, the … Continue reading Choice verses No Choice: Discovering your Debt Options
How to Reduce Your Debt in Medicine Hat Many people want to reduce their debt or have no debt at all, but have no idea how or where to start. If you wait too long to gain control of your financial situation you may have devastating results. Right now is the best time to start … Continue reading How to Reduce Your Debt in Medicine Hat
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