Author Archives: 4 Pillars Halifax

Is one of your New Year’s Resolutions to save money? The beginning of the year is the perfect time to plan your budget, and save money while paying off debt. Where to Find Money for Savings Perhaps the biggest obstacle when trying to save money is finding it in your budget. Ideally, you will planContinue reading “How to Save Money while Paying Off Debt”

Establishing a personal budget is a cornerstone of prudent financial health, yet many Canadians don’t actively budget. You don’t have to be one of them. Here are some simple budgeting 101 suggestions for starting a budget for the first time. Budgeting Wants and Needs When creating your budget, take the time to separate your wantsContinue reading “Budgeting 101 – Starting a Budget for the First Time”

Lose weight … get in shape … get motivated … volunteer more … get out of debt. It is the common refrain heard every January as we make New Year’s resolutions. Sadly, most people’s resolutions fail before the calendar turns to the month of February. How can you avoid this when making financial New Year’sContinue reading “SMART Financial New Year’s Resolutions”

DARTMOUTH, Canada – 4 Pillars Halifax, a specialized debt consolidation company based in Dartmouth, Canada, is urging people who have been financially affected by COVID-19 not to panic and to contact them for assistance.  COVID-19 has had a devastating effect worldwide, both in terms of health and finances. With many people losing their jobs or beingContinue reading “Debt Consolidation Company Urges People Worried About Their Financial Situation Post-COVID Not To Panic”

We are super excited to announce that David Moffatt, our Senior Debt Relief Specialist has published a book. It is called Behaviour Before Math and it is available on Amazon in paperback or kindle versions. Have you ever felt like you couldn’t get a handle on your finances? That no matter what you try youContinue reading “Behaviour Before Math”

https://www.buzzsprout.com/1104815/4012025-mortgage-refinacing-guest-episode-8.js?container_id=buzzsprout-player-4012025&player=small Join David Moffatt and guest speaker, David Clarke as they discuss the merits of using home equity to refinance and pay off debt. Transcript David Moffatt: Hello everyone. I hope you’re doing exceptionally well today. Welcome back to the Escaping Debt Podcast. My name is David Moffatt, I’m your host as always. Today, we’veContinue reading “Escaping Debt Podcast – Mortgage Refinancing – Episode 8”

https://www.buzzsprout.com/1104815/3947846-why-debt-service-ratios-mean-nothing-episode-7.js?container_id=buzzsprout-player-3947846&player=small Transcript David Moffatt (00:00): Hello, everyone. I hope you’re doing exceptionally well. Welcome back to the Escaping Debt Podcast. My name is David Moffatt. I’m your host today as always. David Moffatt (00:09): Today, we’re going to be talking about debt service ratios and how largely they’re meaningless, useless, they don’t really give aContinue reading “Escaping Debt Podcast – Why Debt Service Ratios Mean Nothing – Episode 7”

https://www.buzzsprout.com/1104815/3918476-managing-credit-card-debt-episode-6.js?container_id=buzzsprout-player-3918476&player=small Transcript David Moffatt (00:00): Hello, everybody. I hope you’re doing exceptionally well today. Welcome to the Escaping Debt Podcast. I’m your host, David Moffatt. And today what we’re going to be talking about is really managing credit card debt specifically. David Moffatt (00:12): Now managing credit card debt isn’t really much different, I guess,Continue reading “Escaping Debt Podcast – Managing Credit Card Debt – Episode 6”

Will debt collectors settle for less? This is a great question that has many moving parts to it. We will quickly break it down in this article, however, please note that we have written an article series dedicated to this topic. You can find it here: Debt Settlement The short answer to this question isContinue reading “Will Debt Collectors Settle For Less?”

https://www.buzzsprout.com/1104815/3841658-how-to-properly-budget-episode-5.js?container_id=buzzsprout-player-3841658&player=small Transcript David Moffatt (00:00): Hello, everyone. Welcome to the escaping debt podcast. I hope you’re doing exceptionally well. Today, we’re going to be talking about how to properly set up a budget that actually works, that you can actually stick to, and that actually improves your finance in a measurable way. David Moffatt (00:16):Continue reading “Escaping Debt Podcast – How To Properly Budget – Episode 5”