Your Survival plan – When your payments exceed your income. Let’s not beat around the bush, these are scary and stressful times. Remaining physically healthy is the priority — and thankfully, most of us seem to be achieving that. However, very few of us can say our current or future financial situation is a healthy … Continue reading Break glass in case of emergency
20-year financial veteran Paul Murphy explains the best way to manage your money with 7 essential habits. These habits will help you stay out of debt, stick to your budget, and build long-term financial stability. I know that when it comes to managing money, it can sometimes feel like financial security is out of your control. … Continue reading Want to properly manage your money? Build these 7 habits.
20-year financial veteran Paul Murphy tackles the tough questions about debt consolidation. From the impact on your credit rating to typical rates for consolidation loans, you’ll learn the pros and cons of using debt consolidation. Debt consolidation. It’s a simple concept—you get one big loan to wipe out lots of little debts—but a technique that … Continue reading Should I Consolidate My Debt?
This report was written by Paul Murphy, a 20-year financial veteran and managing partner at 4 Pillars. In this report, you’ll find a data-backed picture of household debt and bankruptcy in Canada. Key questions answered in this report: What is the average household debt in Canada? What are the signs of a typical Canadian family facing … Continue reading Debt and Bankruptcy in Canada: 4 Pillars’ 2018 Report
20-year financial veteran Paul Murphy explains his system for building a realistic money management plan. If you’d like an expert to review your debt situation, you can contact your local 4 Pillars office here. After working in the finance industry for 20 years, there’s one truth that seems to be proven again and again: people … Continue reading A 10-step money management plan to organize your finances
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