There are a lot of money management gurus that promote the idea of living a life based solely on using cash. Some of these money management experts do acknowledge the use of credit cards, but only if 100% of the purchases can be paid off within the initial billing cycle. At 4 Pillars in Victoria,…
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There are many different issues that come up in life that negatively impact the ability to stay current with all types of loans, credits, and payments. When the amount of money coming into the home is less than the amount of debt, the problem can quickly snowball. Early Recognition of the Problem The earlier people…
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Confused about your debt consolidation options? You are not alone. Each year, millions of Canadians cope with debt and seek relief and expert advice. Before you decide to try the DIY route, here is some advice on the two primary options you have – and which one we at 4 Pillars advise! Debt Management Debt…
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At 4 Pillars Victoria, we understand that money can be a difficult subject for people struggling with debt. However, life in the modern world costs a lot of money, so spending nothing is not practical advice for saving. So, what is a person to do? Here, we have compiled a few helpful tips to help…
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Debt is a common concern for Canadians. Every day, there are millions of people in Canada struggling to pay their bills, feeling stressed about getting behind on those payments, or looking for debt relief solutions. If you are one of those people, you are not alone! Given the number of people dealing with debt, there…
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What exactly does a debt consultant in Victoria do? You have probably heard about these financial professionals, but you might not know if their services are what you need. You might not even be sure of what those services are! At 4 Pillars Victoria, we want you to feel great about the decisions you make…
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When you owe a debt and are behind on your payments, constant calls from debt collectors can be stressful. In many situations, it can even turn into harassment. It’s essential to know how to handle the calls and resolve the issue while working with a 4 Pillars debt consultant in Victoria. Request the Details in…
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When you need extra cash, you may feel desperate and consider payday loans. Although these loans may be fast and easy to obtain, they come with a lot of drawbacks. Whether you’re debt-free or working with debt consultants in Victoria, there are a few reasons to avoid payday loans at all costs. High APR Debt…
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When you work with a 4 Pillars debt consultant in Victoria, you likely have a plan in place for becoming debt-free. Unfortunately, there are still mistakes you can make along the way while working hard toward your goals, especially if you’re not working with debt consultants in Victoria. If you fail to make your credit…
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When you’re paying down your student loans or credit cards, you likely want to pay off your balances as quickly as possible. You may have picked up a second job or limited your expenses to reduce what you owe. Unfortunately, you can make a few common mistakes that can derail your progress and extend the…
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