This article is by Paul Murphy, our VP and financial literacy expert with 15+ years of investment and banking industry experience. If you’ve ever floated a balance on a credit card, you’ve likely asked yourself: how does credit card interest work in Canada? Continue reading
This post is written by 4 Pillars’ managing partner and financial literacy expert Paul Murphy. Paul has 20+ years of experience in the banking and financial service industry. In a sea of sharks, who do you trust? In this post, I do a comprehensive tour of all of the debt options in Canada. It’s a...Continue reading
If your credit score has fallen as a result of financial difficulties or filing a consumer proposal or a bankruptcy, you’ll quickly realize the limitations poor credit can impose. In addition to assisting clients with the immediate challenge of debt restructuring, 4 Pillars Debt Solutions of Sudbury can also help clients rebuild credit with a...Continue reading
The debt monster in your closet Do you have a monster in your closet? Maybe you put it there because you thought “out of sight, out of mind” but that monster probably keeps sneaking out of the closet at night, scares the living daylights out of you and causes you a great deal of lack...Continue reading
Does your debt make you feel like you’re trapped in quicksand? Does being in debt feel like being stuck in quicksand… pulling you down further and further? Quicksand is basically just ordinary sand that has been so saturated with water that the friction between sand particles is reduced. The resulting sand is a mushy mixture of...Continue reading
I Didn’t Know Who to Trust I went through a very difficult time. I was in a serious car accident which required a long and painful recovery. Due to the accident I was no longer able to work. Shortly after my accident my husband lost his job and our combined income was now a fraction...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
