A large proportion of our households are faced with financial problems and/or debts. That is not only due to the Euro. Money worries can also arise from job loss, increases in your fixed costs and simply poor budgeting. Financial problems cause physical, mental and certainly relationship problems.

Tackle your money problems quickly and don’t wait too long!

Always remember that every financial problem can be solved, no matter how big it is. Money is easy to have, but it is not your basic necessity. Don’t let it get to the point where you are completely destroyed physically and mentally. It is entirely up to you whether you really want to tackle the problems seriously. You can do this alone, ask a friend for help or contact an agency that will provide you with support. In a relationship it is important that you are honest and open with each other and do not blame each other. Don’t let your relationship and your family suffer from all your financial worries. Try to work together and solve the problems.

Tips to reduce costs

You want to tackle your money problems, but you simply don’t know where to start. Below are a number of tips to reduce or possibly solve your costs. In this way you may be able to find some joy in life and your relationship again.

• to sell unused items via, for example, www.marktplaats.nl. You will see that this can really save you a lot of money. Consider, for example, (children’s) clothing, toys, CDs, DVDs, audio and visual equipment and furniture.
• Do you have an expensive hobby ? Then try to stop this (temporarily).
• Visit a thrift store . There you can buy a sofa like this for a few euros
• Examine your insurance policies and see whether they are really necessary and where you can save. For example, via websites such as www.independer.nl you can easily compare and in 90% of all cases it is cheaper.
• Check your phone bills more and see where most of the costs are spent. Try to renew your subscription every few years with a new phone and sell your old phone. Or take out a ‘SIM-only’ subscription, which saves a lot of costs.
• Review all your income and expenses weekly and ensure that they are closely monitored.

Source: Scottsnyde, Rgbstock

• Try to save energy by, for example, disconnecting your electrical equipment from the power every day (so don’t leave it on standby), turning the heater down a bit, insulating the house more, taking shorter showers and not turning on the lighting unnecessarily. leave.
• Try to involve the car less in all your activities. Gasoline prices are only rising, so if there’s one place you can save money it’s on gas costs. Grab your bike or walk more often. This is also good for your exercise.
• Take a more critical look at your daily shopping . The advertising brochures that you receive every week contain plenty of good offers. This allows you to reduce the total costs of weekly shopping by up to 40%. That can save hundreds of euros per month. Try to avoid A-brands (these are always at eye level) and look down. The other brands are also fine, otherwise they wouldn’t be there!
• If you have any leftover food after a meal, do not throw it away. Start freezing your food more so that you can use it again later. This saves a lot of costs on unnecessary meals and can really save a lot of money in the long run.
• Go on holiday cheaper . Look carefully on the internet and don’t go for the first best holiday offer you see. With a little more research you can save hundreds and sometimes thousands of euros.

Experiences of other people with money problems

You are certainly not the only one with money problems, especially now that the crisis is being felt all over the world. It is important to share your problems with others around you. Talk to each other and don’t bury your heads in the sand. Try to look for solutions together. In the link below you can read experiences of people with money problems and how they dealt with them. Read and learn from this, it can really help. If you cannot resolve it yourself, I still recommend that you seek professional help.

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