Haran Raghavan - Pillars Financial Services

08/27/2026

Credit cards can actually save you money, if you use them right.

Put your everyday spending, groceries, gas, bills, on a good rewards card instead of cash. You’re spending the same money either way, but now you’re earning points toward flights, hotels, trips.

The catch: pay it off in full every time. Carry a balance and the interest wipes out every bit of the benefit instantly.

It’s not credit cards being good or bad. It’s whether you’re using them with discipline.

08/25/2026

🚨Did you know?
More than 1 in 3 Canadian credit card holders are carrying a balance month to month as living costs rise 😯

It’s not always about bad habits, sometimes it’s the cost of living outpacing what people can keep up with.

Want a simple way to start tackling it? Comment ‘DEBT’ below or DM me today. Your future self will thank you 💡

Source: Vividata, Winter 2026 Study of the Canadian Consumer

08/19/2026

08/19/2026

The entire Debt Reset Series, in one carousel. 📋

Six lessons, swipe through all of them:

Clarity: you can’t fix debt you haven’t mapped out.

Good vs bad : it’s not the label, it’s what the debt actually costs you.

Strategy: snowball or avalanche, the best plan is the one you’ll stick to.

Structure: sometimes it’s not discipline you need, it’s the right tool.

Cash flow: awareness creates control.

Getting help: it’s strategy, not failure.

Comment “DEBT” for my guide, or DM me “DEBT” if you want help.

Save this for whenever you need it. 📌

08/12/2026

Sometimes all you can do is seek help.
That’s what Daniel did.

If you’re feeling the weight of debt you don’t have to carry it alone.

Comment or DM me “DEBT” and let’s figure out your next step together. 👇

07/16/2026

Planning a trip this summer? ☀️✈️

Most people lose money before they even leave the country!

Every time you convert currency at your bank or airport kiosk, you’re paying hidden fees and exchange markups without even realizing it.

There’s a strategy called Norbert’s Gambit that could save you significantly on larger conversions , travel budgets, tuition, investments, big purchases.

It takes a couple of business days and has a small trade fee. But if you’re converting a meaningful amount, the savings add up!

Would you spend the extra time to keep more money in your pocket?
Comment or DM me to learn more 👇