Financial self-help

Your financial situation can also deteriorate suddenly as a result of an illness, unemployment, divorce or business failure, for example. There can be many reasons for going into debt.

Learn more about personal finance tools that help you move forward. The solution can be a combination of many elements.

Some options to consider:

• Managing your finances
• Medical expenses
• Financial warning signals
• If your family member or friend is having money problems
  

• Sort out you debt situation
• Payday loans
  
• Negotiate with creditors
• Debt consolidation
• Check your credit record

• Social lending of wellbeing services countiesg
• Debt adjustment
• Relief from garnishment
• Time-barred debts

A financial and debt counsellor can help you balance your income and expenses and discuss options that could be helpful in your situation.

Financial and debt counselling can be reached by phone or chat, for example. You can also visit a financial advice clinic (Talousneuvola) if one is available in your place of residence.

Financial and debt counsellors can be found in legal aid offices. The services are free of charge.