4 Pillars Guide to Summer Financial Health Checkup
Summer is the perfect time to take a step back, relax, and assess your financial health. At 4 Pillars, we believe that regular financial checkups are essential to maintaining financial stability and achieving long-term goals. In this guide, we’ll walk you through a comprehensive summer financial health checkup, focusing on credit counselling and credit rebuilding […]
How to Find Reliable Debt Help in Alberta
Managing debt can be a daunting experience, but finding the right help can make all the difference. If you are looking for reliable debt help in Alberta, you’re in the right place. In this article, we will explore various debt solutions available in Alberta and how Alberta debt counselling from 4 Pillars can provide you […]
Why People Don’t Budget And Why You Should
If you spend the time daydreaming about having more money because your paycheck is not enough, probably “lack of money” is not your only issue. Budgeting is the first and most common advice when you are struggling with money. Everyone knows about it, but only a few of us create and follow our budgets. But, […]
Money & Love: Why You Need To Talk About Money With Your Partner BEFORE Marriage
Sharing the rest of your life with your loved one is a rewarding and beautiful experience, both of you are eager to start a future together while your dreams and goals come true. However, the honeymoon phase can turn into a nightmare, if you haven’t discussed with your partner how your financial situation is going […]
Most Common Debts Among Canadians
It has never been easier to have access to credit, especially in a country like Canada. Even if that accessibility is linked to many benefits, it also carries a lot of disadvantages for Canadians. Did you know that the average debt held by Canadians is $23,035? And that number is even higher when you are […]
Why teaching your kids about money and savings is a life-saving skill
Talking about money with our friends, family or even partners can be terrifying! Terms such as wealth, interests and taxes can scare even the most prepared adult, if they didn’t receive the right financial education. Let alone talking about money with kids! But, you need to. It’s a long but satisfying road to teach our […]
Most Common Myths about bankruptcy in Canada and Why It Should Be Your Last Option
Do you know what Bankruptcy is? Do you think bankruptcy is the only solution for you? Have you heard too many myths about bankruptcy? First, you need to know that when a business or a person are unable to repay outstanding debts or meet their financial obligations, they can file for bankruptcy. They need to […]
Emotional and Physical Effects of Having Debts and How To Cope
Have you suffered from insomnia since you applied for another loan to “pay off” your debts? Or have you left unopened bills on your table because you are doing “well”? Do you experience headaches or physical pain every time you think about your debts? You are probably overwhelmed by your financial problems and your body […]
Create a Realistic Budget During Covid-19
Thinking of a budget might be impossible for some of us, not even talk about creating and following one! However, with Covid-19 cases rising over the provinces and stay-at-home orders, economic recovery is still uncertain. Many of us are learning in the hard way how important savings and emergency funds are. But, with the pandemic […]
Lifestyle Creep: What is it and why does this type of debt matter?
Lifestyle creep happens when you start to spend more on luxuries, after you start to earn more money. Find out how it affects your retirement plans here
