Glass Half Full or Glass Half Empty: A Debt Perspective There are three types of people. Optimists see the world as a glass a half full. Pessimists view the world as a glass half empty. People carrying a lot of personal debt just see their glass as lying shattered on the floor, that is to...Continue reading
How does 4 Pillars help reduce debt in 2026? For the blog today, I would like to answer some questions that you may be thinking about, but haven’t asked yet. I want to help you understand what we at 4 Pillars actually do for you, the client, and how our services help you to reduce...Continue reading
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
Debt Settlement: When to Hang On and When to Let Go Remember the HANG IN THERE posters from back in the day? It was usually a cat with a frantic look, arms stretched out hanging on for dear life. You couldn’t walk thru a college dormitory without finding it on someone’s wall. But what happens...Continue reading
Debt Shaming: When the Voice in your Head Won’t Shut Up You know when you get a song stuck in your head. No matter what you do to distract yourself it’s still in there, singing away at the top of its lungs. When you’re living with a lot of debt that catchy song is replaced...Continue reading
Feeling Powerless: A Wind Storm of Debt Residents of the lower mainland are no strangers to big wind storms. It can leave you without power for hours, even days. So as you settle in for a dark chilly night while suffering thru the withdrawal of TV and Internet it dawns on you… this feeling isn’t...Continue reading
Debt Consolidation vs. Debt Settlement I am often contacted by clients wanting to know the difference between Debt Consolidation and Debt Settlement/Debt Restructuring. In today’s column, we will explore the difference between the two: Debt Consolidation can often be an excellent way for a person, carrying too much unsecured debt, i.e., credit cards, lines of...Continue reading
Five Steps to Get Out of Debt Make a Budget You need to understand where your money comes from, how you use it when you have it and finally, where it goes. A monthly budget will help you organize your expenses and perhaps recognize where you can save some extra money and put an end...Continue reading
LET’S DISCUSS DEBT RESTRUCTURING You’ve stretched your credit cards to the absolute limit, you’ve borrowed money time and again to pay off bill after bill, and perhaps you’ve gone to the wall on a line of credit. In short your household debt is completely out of your control. Your money is in charge of you,...Continue reading
Personal Debt: The house guest who won’t leave You’ve tried to be polite. You’ve dropped subtle hints. You’ve even short sheeted the bed in the guest room. But still, you’re stuck with a guest who refuses to leave. A once welcome friend or family member who now eats all your food, runs up your phone...Continue reading
