There are various saving tips.
The most successful is automatic saving. This means that you automatically transfer an amount from your bank account to your savings account every month. Saving then goes quickly: if you automatically save 10 euros per month, you already have 120 euros at the end of the year.
Other saving tips from the NIBUD:
I would like help with increasing my income. What options are there to increase my income? And (how) can St. Humentum advise me on this?
Income-enhancing drugs are ways to supplement your income, often with the help of the government. Some examples of income-enhancing drugs are:
- Surcharges. Go to www.belastingdienst.nl for applying for benefits.
- Remission of Taxes. Every year you will receive an assessment for the municipal tax and the water board tax. If you are unable or difficult to pay these taxes, you can apply for a remission. You will always find information about remission enclosed with the assessment.
- Child benefits. Do you have children? Then you will receive child benefit every three months. The height of the child benefits you can find here.
- Allowance for school costs and student finance. School-going and studying children are expensive. Fortunately, there are all kinds of ways to make this a little bit cheaper. Go to DUO.nl for financial children who are studying. For a contribution to school costs, you go to the municipality.
- Schemes and funds. Municipalities often have schemes for people with a lower income. Consider, for example, the participation scheme for sports. Ask your municipality which arrangements they have.
Are you still looking for opportunities to increase your income after the above tips? Please contact St. Humentum. A Budget coach supports you in applying for benefits, remission of taxes and other possible means of income-enhancing.
I would like help applying for benefits. What surcharges are there? And (how) can St. Humentum help me apply for benefits?
Surcharges come under income-enhancing drugs. So you can improve your income with allowances.
The amount of the allowances always depends on your personal situation and income. There are also always a number of conditions that you must meet in order to be eligible for these supplements. Keep a close eye on this.
On the website of the tax authorities you can quickly and easily check which benefits you are entitled to.
There are different types of benefits, such as:
- Rent allowance;
- care allowance;
- childcare allowance;
- child-related budget.
You do not have to apply for the child-related budget yourself, but you will receive it automatically if you are entitled to it.
On the following apps and websites you will find a lot of information about budgeting and reducing expenses.
- NIBUD: saving tips from the money expert in the Netherlands.
- Cute goat: handy saving tips from Leukegeit.
- Knab: reduce your fixed costs via these 11 simple steps.
- Dyme: Dyme is the app to gain insight into your income and expenditure pattern.
Housekeeping apps, such as Dyme, are popular among young people and very useful for easily keeping track of your income and spending habits. You can find some of the best housekeeping apps here.
The NIBUD Personal Budget Advice is a tool to get a clear overview of your income and spending pattern. By going through the NIBUD Personal Budget Advice, you know immediately whether you have money left at the end of the month.
Are you spending too much? Then you can strive for a better balance between income and expenditure by saving. Think of:
- Spend less on groceries.
- Being critical of your spending habits. Always ask yourself first: is this expense necessary?
- Check your insurance policies. Not all insurance is necessary.
- Cancel subscriptions.
- Cancel memberships.
- Change your cell phone and TV plans. These can often be cheaper.
- Change your energy company when the contract ends.
- Consider energy and water saving measures.
- Take a closer look at car costs. And is owning a car really necessary?
- Save on your mortgage.
Would you like help with drawing up a monthly or annual overview? Or would you like personal savings tips? Then contact St. Humentum, a Budget coach can help!
A healthy budget (or spending pattern) means that your income and expenses are in balance. In addition, you manage to distinguish between what you want to buy (a new phone) and what you actually need (dinner). So you make conscious choices about what you spend your money on.
Do you want an independent view of your income and expenditure? Or do you want to know how you can save or cut back?
NIBUD Personal Budget Advice is a smart tool that you can use to gain insight into what you spend money on and how you do it financially compared to others. You will receive useful tips that help you make money choices. Check it out NIBUD Personal Budget Advice.
Would you prefer personal advice from a Budget coach? Please contact St. Humentum. Send an email to firstname.lastname@example.org containing your financial question.
I am not in debt, but my financial situation has recently changed. As a result, I can hardly make ends meet on my income and am afraid that this will put me in debt. (How) can St. Humentum help me?
Beware! Your finances may be out of control. That is why you urgently need insight into your income and expenditure pattern. This way you can more easily adapt to the new situation.
A Budget Coach from St. Humentum supports you in drawing up a budget plan.
Contact us for help on 070-2173073. Or send an email to email@example.com.
Debt counseling goes through a number of phases. Before the start of the debt counseling or debt rescheduling process, your situation will already be examined.
- We will check whether you are eligible for debt assistance or debt assistance rescheduling.
Can your debts be paid off in a reasonable manner within 36 months (or 3 years)? Then you are not eligible for a debt assistance program. You can pay off your debts for 100% within a reasonable period of time. *
- It will be checked whether your debts are settled by an amicable process (out of court) or by a legal process (with the intervention of the court).
- The debt counselor (someone who helps you, supports you and ensures that you comply with the rules) checks whether the creditors agree to a possible debt assistance or debt restructuring process.
Can a process be started?
Then first your 'Amount to be released' (Vtlb) is determined. You will be left with this amount as a 'savings bank' to pay for daily groceries and fixed costs. You then live on social assistance level. How high this amount is depends on your personal situation.
Your income that exceeds the amount to be released (Vtlb) is saved by the debt counselor for 36 months (3 years). The amount saved is divided among the creditors after 36 months (or 3 years).
The amount saved may not be enough to pay off all debt. That is why creditors must first agree to the proposal for the debt counseling process before this process actually starts.
Do creditors accept the proposed amount and agree to the proposal? Then after the 36-month (3-year) process, the rest of your debts will be canceled.
At the end of the process, if you have successfully completed the 36 months, the debt counselor pays the saved amount to the creditors. After this period you no longer have a so-called 'outstanding debt'. Provided, of course, you do not incur any new debts.
* Enlist the help of St. Humentum. A Budget coach helps to find out whether you are eligible for a 100% payment through a credit bank. A loan from the bank can provide an overview. By paying all creditors through a loan, you only have one creditor (the bank) left.
Contact us directly at 070-2173073. Or send an email to firstname.lastname@example.org. Clearly state in this email that (and why) you need immediate help.
The energy company and / or drinking water company wants to disconnect me from electricity, gas and / or water. What should I do?
Your debts are in danger of getting out of hand. Urgent action is needed. St. Humentum can give tips about the steps you should take immediately. A Budget coach from St. Humentum supports you in taking these steps. Contact us directly at 070-2173073. Or send an email to email@example.com. Clearly state in this email that you may be cut off from gas, electricity and / or water.
Your debts are in danger of getting out of hand. Urgent action is needed. St. Humentum can give tips about the steps you should take immediately. A Budget coach from St. Humentum supports you in taking these steps. Contact us directly at 070-2173073. Or send an email to firstname.lastname@example.org. Clearly state in this email that you may be evicted from your home.
I have problematic debts (debts that cause major financial problems that make me unable to pay for my basic needs, such as groceries, rent, water / gas / electricity or health insurance) and I urgently need help. (How) can St. Humentum help me?
Contact us directly at 070-2173073. Or send an email to email@example.com. Clearly state in this email that you have problematic debts. St. Humentum will contact you as soon as possible.
Priority are emergency situations such as house eviction or water or gas / light shutdown. When contacting St. Humentum for the first time, always state that an emergency situation is imminent. This problem is first solved by talking to the creditor (s).
After that, an overview must be drawn up. It lists all income, expenditure and debts. The Budget coaches of St. Humentum support in drawing up a monthly and annual overview. Together you will look at whether cutting expenditure is a possibility and whether income-expanding resources may offer a solution. By reducing expenses or increasing income, there is more budget for paying off debts.
If it turns out that the debts are so problematic, you will be referred to debt restructuring. St. Humentum will continue to assist you after the referral.
I have (non-problematic) debts and would like help with paying off. (How) can St. Humentum help me?
Overview of and insight into income, expenditure and debts. That is the most important when it comes to financial issues. A good overview prevents debts from becoming problematic. The Budget coaches of St. Humentum support in drawing up a monthly and annual overview. Together with the Budget Coach, you will examine whether cutting expenditure is an option and whether income-expanding resources may offer a solution. By reducing expenses or increasing income, there is more budget for paying off debts.
Sometimes you don't really know how much money comes in every month and what exactly you spend. The overview has been lost.
A Budget coach from St. Humentum helps you by making a monthly and annual overview together with you. If it turns out that you spend more than you come in, the Budget coach will help you to get this back into balance. The Budget coach gives tips to save on expenses, but also thinks about possible means to increase income (ie rent or care allowance).
If you help financial problems, every (financially related) letter can be overwhelming. The Budget coaches of St. Humentum support you in this. Together with you we open this post and create an overview. The responsibility lies with you, but the necessary support from St. Humentum makes it easier. We also make a plan for the future.
Do you have unopened letters lying around? Send an email to firstname.lastname@example.org.
What is debt counseling? Are there different types of debt counseling? And does St. Humentum offer debt counseling?
Debt can be very problematic. Creditors send reminders, a bailiff is at the door or you may be evicted from home. In that case, debt counseling or debt rescheduling is a possible solution.
With debt counseling Income, expenses and debts are managed by a debt counselor. The goal is to pay off debts as quickly as possible. First of all, an overview is made of income and expenditure. Then a budget is drawn up that is used as living allowance. The amount that remains is paid monthly by the debt counselor to the creditors. This process can take up to three years, depending on the amount of the budget and the debts. The debt is paid off 100%.
Is 100% payment not possible within three years? Then the debt restructuring outcome. In debt restructuring, you will be faced with a Free To Let Amount (VTLB). This is a legally determined amount that you have left over as a 'savings bank' to pay for your daily groceries and fixed costs. You then live on social assistance level. The debt rescheduler has calculated that it is impossible for you to pay off all debts in 3 years. He / she therefore makes agreements with the creditors about the amount to be paid and makes a proposal to pay off the debts in three years against final discharge. This process may last a maximum of 36 months (or 3 years). After 3 years, the remainder of the debts will be canceled.
At St. Humentum there are plenty of Budget coaches who support you in the debt relief or debt restructuring process. For example, by jointly investigating whether expenditure can be reduced.
Mind you, the Budget coaches are not debt counselors or debt reschedulers.
St. Humentum mainly focuses on people with a non-Dutch cultural background. That is why we are looking for non-native speakers. Do you speak another language and do you want to become a volunteer? Send an email to email@example.com and sign up.
St. Humentum is also looking for volunteers who can help with other tasks, such as the website or people who want to be part of the board.
See also our page about volunteers.
The Budget coaches of St. Humentum speak the following languages:
The Budget coaches of St. Humentum speak the following languages:
St. Humentum hopes to be able to offer even more languages in the long term.
I have an appointment with a Budget coach. How long does a process with a Budget coach take and how does this process proceed?
The length of the process depends on the financial request for help. Sometimes people have been helped to put their finances in order. This can be done in one to five appointments. Others have debts or very little insight into their income and expenses, and therefore need to be guided for a longer period of time. This can take months, sometimes years. In short, how long and intensively we work together depends on your current situation and what you want to achieve.
Your very first contact with a Budget coach of St. Humentum includes an intake interview. In this conversation we determine the request for help and goals are set.
The Budget Coach comes with a (step-by-step) plan to help you. The Budget coach will discuss this plan with you and together you will determine how much help and guidance is needed to solve the financial problems. More agreements will follow in which you will work together with the Budget coach.
It is important that you are open and honest about your financial situation and any debts. But also about the origin of the debts. In addition, you must be motivated to solve the problems. Debt resolution starts with a good overview of income, expenses and all debts. So take an overview of this with you to the first meeting.
Do you not have an overview of your financial situation? Then write down your income and expenses. A Budget coach helps you to make an overview.
Send an email to firstname.lastname@example.org. Please state:
- Your contact details;
- your question or request for help;
- the language (s) you speak if Dutch is not your first language.
Or go to contact and fill in the form. St. Humentum will contact you as soon as possible.
Please note: For urgent questions, call 070-2173073.
You can ask a Budget coach anything. There is no (financial) question that we think is too crazy.
But beware, your Budget coach is there to help and answer questions. He or she is not responsible for your finances. The Budget Coach therefore encourages you to do as much as possible yourself (with our help).
Do you have problems making ends meet, do you want to do something about your debts or do you just want information about (better) budgeting?
Then you can contact us. St. Humentum helps you with financial questions.
Together we look at the best solution and / whether there is room for improvement.
|A Budget coach helps you with financial questions and problems. |
For example with questions about:
- balancing income and expenditure;
- applying for allowances;
- limiting expenditure;
- expanding income.