Consumer Proposal Testimonial For this month’s blog post, I would like to share with you a testimonial from Jeanette who came for help in our Red Deer office and we helped her structure a consumer proposal: “We came in with no expectations and not sure what a consumer proposal was. The 4 Pillars team were...Continue reading

Things You Probably Don’t Know about Bankruptcy in B.C. Part 1 Laws and procedures revolving around bankruptcy are generally the same everywhere in Canada, but some details change depending on where you live and your individual circumstances. This is why everyone considering bankruptcy always must consult a professional financial advisor before proceeding. Some details about...Continue reading

Debt Fatigue: tips to deal with your debt Are you experiencing debt fatigue? Do you have the same thoughts and questions over and over about your debt? “When will it end?” “I am ever going to get out of this?” “How am I going to deal with this debt?” “I’m always going to be in debt”...Continue reading

Top 6 Phrases I Learned During My Consumer Proposal (written by a 4 Pillars client) When I first started looking for financial advice, I didn’t expect to learn another language. The vocabulary of financial and legal proceedings is thick with jargon, technical terms, complex legalese, and self-reflection. Here are a few key phrases that I...Continue reading

Another Kamloops Debt Story—March 2016 Diane was at her wits’ end.   She and her teenage daughter had been managing on her very limited income, but it was getting tougher and tougher.   She was quite frugal, but had relied on a couple of credit cards to keep the two of them going when her ex-husband fell...Continue reading

Debt: WORST ROOMMATE EVER!! In case you hadn’t noticed the lower mainland is a ridiculously expensive place to live. If you’ve managed to find ‘affordable’ housing, something under $1500 a month, it probably comes with a roommate! And with a roommate comes the classic Roommate Horror Stories. Eating your Food and ‘borrowing’ your clothes are...Continue reading

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

The Freedom of a Debt Free Life A debt free life, is that even possible? I am here to tell you that it is. It may not be easy and it most likely won’t happen right away, but the possibility is out there. To begin your journey towards a debt free life, why not start...Continue reading

Programing your life: Deleting Your Debt Playlist With the advent of digital music it’s easier than ever to create a soundtrack for your life. They’re called playlists and they’re created by you to express what you’re feeling at a particular moment in time. Driving to the grocery store, you’ve got a play list for that....Continue reading

How to Use Your Credit Card Responsibly Credit cards can be a useful tool when it comes to your finances. They give you the ability of buying now and not having to pay it off until the grace period is up at a later date. There are also many fantastic rewards available through many different...Continue reading