Budgeting may not be your idea of fun, but that doesn’t mean that it’s something you should avoid. Budgeting can be frustrating but spending more than you have available is even worse. When you go to a financial expert at 4 Pillars in Victoria, making a budget is likely to be suggested. We have some…
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If you have a lot of debt, it can easily become overwhelming. For many Canadians, debt has increased a large amount over the last few decades due to expenses rising and wages remaining about the same. The problem is that when you are in debt, improving your credit can be a huge issue. Having the…
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After you receive a credit card, you probably assume you’ll have it as long as you want. Whether you use it regularly or stick it away for an emergency, a creditor is capable of closing your account at any time and for any reason. However, there are a few reasons that are more common than…
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Canadians end up in trouble with credit card debt every day. If you are in that situation yourself, you are not alone. Things like losing your job, getting ill, or having another emergency come up can lead to the need to use your credit card just to get through the month. This can escalate and…
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