You might have heard the term “credit score” through movies, tv programs and more importantly through your bank account. But, what is a credit score? Why do I need a good credit score?  4 Pillars is always seeking to educate our audience and promote healthy financial decisions, for that reason we will cover all you need to know about credit score. Additionally, we have essential tips to increase your credit score.  First, you need to understand what a credit report is; which basically is the summary of your credit history. It is created when you borrow money for the first time. It in ..read more

Sharing the rest of your life with your loved one is a rewarding and beautiful experience, both of you are eager to start a future together while your dreams and goals come true. However, the honeymoon phase can turn into a nightmare, if you haven’t discussed with your partner how your financial situation is going to be handled.  If you are unsure how to talk about money with your partner or even question how important it is to share your finances with your future bride or groom, this article is for you. Life itself is unpredictable, so having your finances covered is going to relieve one ..read more

Have you suffered from insomnia since you applied for another loan to “pay off” your debts? Or have you left unopened bills on your table because you are doing “well”? Do you experience headaches or physical pain every time you think about your debts? You are probably overwhelmed by your financial problems and your body is asking for your help. We will help you identify the most common afflictions associated with money and useful tips to overcome the pressure. Remember that your health comes first, and these problems can affect not only you, but your family, friends, and work as well. Your deb ..read more

Debt is everyone’s nightmare, but it can be especially tough if you’re limited by low income. Between student loans, car payments, mortgages and now with Covid-19 reducing thousands of sources of income for families, having a debt feels so much more overwhelming. It can make your world tumble and increase your insecurities about the future.  But, what should we say to our debts and fears? No more! We have some helpful advice for your debt-free life.  Determine all your debts  Facing how much you owe can be quite scary, especially if you’ve been tempted to ignore the bills that k ..read more

Talking about money with our friends, family or even partners can be terrifying! Terms such as wealth, interests and taxes can scare even the most prepared adult, if they didn’t receive the right financial education. Let alone talking about money with kids! But, you need to. It’s a long but satisfying road to teach our little ones about money and what it is going to mean in their lives.  What would happen if you knew the difference between savings and investments? Or, what you want is not always what you need? We know you want only the best for your kids, you are eager to provide the best ..read more

If you spend the time daydreaming about having more money because your paycheck is not enough, probably “lack of money” is not your only issue. Budgeting is the first and most common advice when you are struggling with money. Everyone knows about it, but only a few of us create and follow our budgets. But, why? Why are we so afraid to commit and follow a tool that is going to save us from huge headaches? Well, we have done our research and we have the most common causes for your lack of budgeting, within a couple of tips and tricks to overcome your budgeting anxiety. Budgeting Anxiety Money a ..read more

Talking about money with our friends, family or even partners can be terrifying! Terms such as wealth, interests and taxes can scare even the most prepared adult, if they didn’t receive the right financial education. Let alone talking about money with kids! But, you need to. It’s a long but satisfying road to teach our little ones about money and what it is going to mean in their lives.  What would happen if you knew the difference between savings and investments? Or, what you want is not always what you need? We know you want only the best for your kids, you are eager to provide the best ..read more

Do you know what Bankruptcy is? Do you think bankruptcy is the only solution for you? Have you heard too many myths about bankruptcy? First, you need to know that when a business or a person are unable to repay outstanding debts or meet their financial obligations, they can file for bankruptcy. They need to file bankruptcy with an officer of the court (the Licensed Insolvency Trustee), they will measure and evaluate all the debtor’s assets. Then, the assets may be sold to repay a portion of the debt. The balance of what the debtor owes is eliminated after the bankruptcy is discharged. Neverth ..read more

Have you suffered from insomnia since you applied for another loan to “pay off” your debts? Or have you left unopened bills on your table because you are doing “well”? Do you experience headaches or physical pain every time you think about your debts? You are probably overwhelmed by your financial problems and your body is asking for your help. We will help you identify the most common afflictions associated with money and useful tips to overcome the pressure. Remember that your health comes first, and these problems can affect not only you, but your family, friends, and work as well. Your deb ..read more

Having a good credit score is critical to being financially healthy. It shows that you pay your debt on time, have a manageable debt amount, and […] The post Easy Ways To Improve Credit Score appeared first on 4 Pillars Consulting Group - Debt Help & Credit Card Help ..read more