How to get OSAP Loan Repayment Assistance  You’ve been out of school for a while and you’re thinking of going back.  Maybe you want to further your career, perhaps you needed some time to figure out what you wanted to do with your life, or you’re looking to get into a field with more employment...Continue reading

How to Set Up a Monthly Budget Creating a monthly budget is a great way to kick-start debt-free living and add to your savings. A budget is a great financial tool, whether you are looking to reduce your existing debt or simply gain a better understanding of your spending habits. It allows you to determine...Continue reading

Using Your Credit Cards Like Cash – Prevent Your Balances From Spiralling Out of Control It is easy to fall deeper into debt if you aren’t regularly monitoring your finances and spending. Credit cards are one of the most readily available and dangerous tools for unsuspecting consumers. In Canada, nearly half of all credit card...Continue reading

This article explains how 4 Pillars is different from licensed insolvency trustees (previously known as bankruptcy trustees) and other debt consultants.  A lot of people in our Debt Bootcamp have been emailing me and asking questions about how 4 Pillars started and how 4 Pillars is different than licensed insolvency trustees and debt consultants. So today...Continue reading

La consolidation de la dette est une façon populaire (et légale) de réduire votre dette de manière significative au Canada. Dans ce guide, Paul Murphy, un expert en finances cumulant plus de 20 ans d’expérience dans le domaine, vous présente les notions de base sur l’utilisation qu’en font les Canadiens. J’ai aidé des milliers de...Continue reading

20-year financial veteran Paul Murphy shares the best debt repayment calculators. Use these to get a sense of your financial situation and to build a smarter debt repayment plan. If you want to find the best debt repayment calculators, then you’ll want to bookmark this guide. I’ve worked in the financial services industry for 20+...Continue reading

What is Debt Consolidation? Debt consolidation is a form of debt relief often used to avoid failing to pay interest on an existing debt. It is commonly used by people in order to pay off loans or eliminate their own credit card debt. The act of debt consolidation usually requires the debtor to take out...Continue reading

Debt Solutions are available to you, don’t be bogged down by debt David was a 25-year-old honors student fresh out of University with an accounting degree, starting a brand-new job in Muskoka. David was successfully able to get a mortgage loan and begin living on his own on a beautiful lakefront property. David loved his...Continue reading

Debt can be overwhelming, especially as it seem like bankruptcy is the only answer once things get bad. But as this guide will show you, you actually have many more alternatives to debt repayment than you think.Continue reading

Get Local Debt Help in Kamloops – Read about an actual case file I’m Bob Hauck, your 4 Pillars Debt Specialist in Kamloops.  I’ve had the pleasure of helping a lot of families get out of debt.  Each with their own unique story to tell.   When I met Kevin and Rebecca they were over $62,000 in debt. They...Continue reading