Make sure there is always enough money in your bank account. Being in the red is expensive as the bank charges interest. You will also need to pay interest if you borrow money or pay for items by instalments.
Would you like information or advice regarding managing your money, saving and borrowing? The NIBUD will be able to tell you everything you need to know. You can obtain personal budget advice from their website. You will also find tips on savings and applying for contributions towards costs.
Would you like to borrow money? Be very careful with borrowing money. If you don’t earn a great deal, then a debt of a couple of hundred euros is already quite a bit. Plus paying off a debt means you need to hand over part of your income for payments and interest every month. Try to not get into any debt. Produce an overview of your income and expenditure. This will show you exactly what money you are spending and where you can realise some savings. Or follow the Managing your Money course organised by Vita Welzijn en Advies, which can provide you with some useful tips and information.
Can you no longer afford to pay off your debts? Then apply for debt help from Plangroep. They can also help you if you are suffering problems with a bailiff, a collection agency, or if your landlord wants to evict you from your home. Would you like to register for this? Then go to the council’s Klantenservicepunt or ask about it at the Wmo-loket. Would you like to learn how to manage your money more effectively? Then follow the Managing your Money course organised by Vita Welzijn en Advies, which can provide you with some useful tips and information.
Are you 65 years old or above? Then ask for advice from the Advisor for the Elderly at Stichting Coherente. They will give you advice regarding managing your money, your income and expenditure.
Are you disabled? Then ask for financial advice from MEE. This organisation is fully conversant with all possibilities open to people with a mental, physical or psychological limitation.
