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Managing your personal finances

Make sure that you have a clear idea of your income so that you can manage without accumulating debts. You can get advice for the planning and management of your personal finances from public sector bodies and non-governmental organisations. Banks offer different ways for saving money and investments. If you cannot pay your bills, you should first contact your creditors and make payment arrangements with them. In matters concerning the management of your personal finances, you can also contact the financial and debt counselling at legal aid offices.

Crisis situations in personal finances

If you have temporary payment problems, you should negotiate payment arrangements. For assistance, contact the financial and debt counselling.

Last will and testament

You need to draw up a testament if you wish that your property is to be distributed in some other manner than what is specified in the law.