Living in The Netherlands is not cheap! That’s for sure. Since the introduction of Euro a few years ago, the prices of products and services are high and still increasing, and the incomes that ordinary people get each month from their work are barely enough to cover all life expenses. As a result of this situation, many people have borrowed a big amount of money and built debt just to meet their daily needs. So, a good financial planning is a must and extremely needed to overcome all your money problems in the future. Fortunately, there is one institute here in The Netherlands, called Nibud (Nationaal Instituut voor Budgetvoorlichting or in English, National Institute for Budgeting), which provides all information you need to manage your money and gives you some advices around the financial planning. On its website (mainly in Dutch), you will find some interesting links to other websites categorized into topics, like Jeugd en Geld (Youth and Money), Rondkomen en Budgetteren (Poverty and Budgeting) and Schuld regelen (Debt management).
Perhaps, today you will not realize how important this issue is because of your recent situation. But, as wise men said long time ago, preventing is always better that recuperating. 🙂