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4 Pillars Articles by Navaiz & Hardip Chaudhry

The Utilities, the Credit Cards, and the Mortgage: The Chronicles of Debt

By Navaiz & Hardip Chaudhry

The Utilities, the Credit Cards, and the Mortgage: The Chronicles of Debt “You are never too old to set another goal or to dream a new dream” -C.S. Lewis The Adventure Begins Imagine a world of enchantment that awaits on the other side of the door. You just have to find the right door and … Continue reading The Utilities, the Credit Cards, and the Mortgage: The Chronicles of Debt

Procrastination and Debt: It’s not going to reduce itself!

By Navaiz & Hardip Chaudhry

Procrastination and Debt: It’s not going to reduce itself! We procrastinate. It starts in school when we leave our homework assignments to the night before they’re due. We procrastinate about things we don’t want to do, like house work, oil changes, and grocery shopping. But you can only wade thru so many take out containers … Continue reading Procrastination and Debt: It’s not going to reduce itself!

Conquering Debt Only Seems Impossible, until you do it!

By Navaiz & Hardip Chaudhry

Conquering Debt Only Seems Impossible, until you do it! Remember when sailors feared reaching horizon because the world was flat and they’d fall off? Of course not, it’s not the 1600s. But the point is, there are a lot of things that have happened in our life time that seemed impossible 100 years ago. In … Continue reading Conquering Debt Only Seems Impossible, until you do it!

Debt: Losing the Battle or Winning the War

By Navaiz & Hardip Chaudhry

Debt: Losing the Battle or Winning the War Every month, you brace yourself, armed for battle. Bills are coming at your fast and furious! Some you dodge, others knock you down; minimum payments, final notices, disconnection warnings, there’s no end to the attack on your bank account. Every month this onslaught takes place. Some battles … Continue reading Debt: Losing the Battle or Winning the War

Debt: WORST ROOMMATE EVER!!

By Navaiz & Hardip Chaudhry

Debt: WORST ROOMMATE EVER!! In case you hadn’t noticed the lower mainland is a ridiculously expensive place to live. If you’ve managed to find ‘affordable’ housing, something under $1500 a month, it probably comes with a roommate! And with a roommate comes the classic Roommate Horror Stories. Eating your Food and ‘borrowing’ your clothes are … Continue reading Debt: WORST ROOMMATE EVER!!


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