Do you need additional tips for running everyday finances? Have a few invoices have been left over? Or is the economy already knotted? We compiled tips on how to balance your own finances. We have also compiled checklists for the student, the employee and the jobseeker.
Housing coordinator Markku Merivirta reminds us that Setlement Housing, if necessary, makes payment plans for rental debt with residents.
Merivirta hints that it is always worthwhile to always take into account in the economy planning, such as sickness, medical and medicine costs. If coming is important dates, for example, to deal with Kela, you should always put them on the calendar.
"Unfortunately, it is often the case that when something money has to be reduced due to other expenditure, the rent is often" borrowed "to endanger basic security or warm home."
Tips for financial management
When the goal is better budgeting
- For larger purchases, it is a good idea to draw up a savings plan .
- The Penno tool makes it simpler. You only record your daily expenses and income, and Penno tells you at a glance your money.
When a few bills are already in the arrears
- Agree with the invoicer on the due date or draw a payment plan.
- Always take care of important basic expenditure, such as rent and electricity bills.
When the economy has reached the node
- Debt line and ask for money -chat
- Income support
- Municipal Economic and Debt Advice
- Social credit
- The debt settlement of a private person
- If the money is not enough to pay the debts
Student
- Check that you have received all possible support for studying and living.
- Watch the video on how to apply for study and housing support.
Working
- Is your tax card up to date?
- Do you know about all tax deductions ?
- Have you graduated and started at work? If you have raised student grants the same year as you receive wage income, you may want to check the annual income limit .
Jobseeker
- If you become unemployed or your studies will end and you do not have a job, please immediately register as an unemployed jobseeker on the TE Services website or by telephone. You can then apply for unemployment insurance either at the unemployment fund or Kela.
- Kela's unemployment benefit
- TE services
- Youth warranty
The information is compiled on the Settlement Association's Mun Finance website. Read more: muntalous.fi
