Debt Diets: How Healthy are They? You know what they say; you are what you eat. But when you’re in debt you find yourself consuming a lot of empty calories. Stressed induced calories. Perhaps you’re eating your worries about money and the future. Perhaps there isn’t enough money at the end of your paycheque for...Continue reading

Debt & Math: Something Doesn’t Add Up There are two kinds of people in the world. People who love math; who can calculate complex equations and formulas in their heads, who actually enjoy the challenge of solving a mathematical problem and will gladly tell you how they figured out that X was the square root...Continue reading

Today I would like to answer a few questions that you might have about 4 Pillars, but haven’t asked yet. I want to help you understand what we at 4 Pillars can do for you, and how our services can help you to lower your debt. What is 4 Pillars and how do you help...Continue reading

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