We all want our relationships and work to go well so that we can enjoy life for a long time. Sufficient money, a beautiful home, a nice family where you meet the ideal image of house, tree, animal. That’s what the majority of people want. You can have it all planned as best you can, but some circumstances can throw a spanner in the works. What can happen unexpectedly and how can you get life back on track?
Getting your disordered life on track
- Unemployed or disabled
- Divorced or separated
- A death
- High debts due to sales
- Home rental or purchase exchange
- Saving due to less income
- Obesity and disease
- Addiction
- Putting things in order
Unemployed or disabled
Things can go badly for a company, putting your job at risk. Dismissal can also be caused by your own actions. You will receive unemployment benefit if the dismissal is due to the business circumstances of the company. However, if you become ill, you will be partially incapacitated for work, and the employer is obliged to continue paying you two years’ wages. You can then apply for a WIA benefit. It is then a question of how you manage your financial resources and you have to wonder whether certain subscriptions, expenses, etc. are still useful.
Divorced or separated
An important cause of double costs is divorce. The couple often breaks up with a major argument, which does not spare each other’s financial situation. The person who has to stay in the home usually pays all costs and this may not be bearable. Good agreements must be made regarding who gets what and which costs must be borne by which party. Naturally, unnecessary or unnecessary costs will be stopped as quickly as possible. Many small costs make a big drain on your limited budget. It is necessary to limit and cut costs where possible.
A death
A sudden death within a family causes a lot of emotional damage, but also means that everything can be quite difficult financially. Especially if the surviving relative has to take care of children, where everything has to be combined with work. It is then necessary to enlist the help of family members and acquaintances to get everything back in order. Your parents may be able to watch the children while you work, and your children may also be able to go to school. You should try to avoid childcare costs, because they are a drain on your wallet.
High debts due to sales
If you are faced with financial burdens that are unbearable as a result of the old mortgage, a suitable solution must be found. If you run into financial problems due to divorce, dismissal or death due to the mortgage, you can fall back on the NHG. These are the National Mortgage Guarantee conditions under which you take out the mortgage as standard. On the one hand, you can see compensation in the monthly costs until the weather improves, after which you repay the discount through a payment arrangement. On the other hand, in the event of a forced sale, part or all of the residual debt can be forgiven. Naturally, you must meet the requirements of the NHG.
Home rental or purchase exchange
A good way to reduce your costs is to rent out part or all of the home so that you can generate income. It ensures that your fixed costs are largely covered, so that you can easily rent accommodation elsewhere with your own income. As long as you pay your mortgage payments properly every month, there is no problem. Another way to sell your home during bad times is to use a purchase exchange. Several home sellers in the country want to get rid of a home and then buy a home elsewhere. By creating a link between two or more sellers and buyers, accelerated sales can be achieved. It prevents many double burdens, and you can also get rid of the house quickly.
Saving due to less income
To make a financial clean sweep, you need to take a concrete look at your expenses and be realistic about what you should or shouldn’t use. Cross out everything you don’t actually need. You first completely strip down your expenses, so that you know at what point you can start building up expenses again. So minimize your expenses by specifically stopping expenses:
- compare insurance policies: everyone is obliged to take out health insurance;
- Switch the energy supplier: several providers have completely different basic energy rates, so you can save considerably on your costs. It can cost many hundreds of euros per year if you change;
- invest (if you have a small capital on hand) in solar panels, so that you can save a lot of energy costs every month. With this you can possibly become energy neutral;
- Be critical about the real estate value of your home, because you may have to pay too many levies. By being alert you can save on your monthly expenses. Then respond in time with a WOZ objection;
- compare offers from stores so that you always make the cheapest purchases;
- put your waste bin on the street less often and start recycling;
- you can claim free assistance packages from the municipality;
- you can make use of certain financial arrangements;
- If necessary, take advantage of a debt restructuring process.
Obesity and disease
If you have a lot of weight that potentially threatens your health, you need to lose weight. Working on your weight specifically means switching from your current unhealthy diet to a diet based on whole foods, slow-burning carbohydrates, fruit, vegetables and dairy. It doesn’t mean you can’t eat well, but you need to take in different foods. Prepare healthy snacks for in between, so that the stomach continues to work continuously. In addition, exercise more to properly stimulate the metabolism. It is the basis for losing weight while you continue to eat. This way you can see your excess weight disappear over time, so that you gain better health and feel better. So ask yourself what you can do to extend your life expectancy.
Addiction
Having an addiction is something that is difficult to get rid of. It controls a large part of your life, to which your private and working life may have to make way. It causes a lot of unrest and causes you to run aground financially. Go to AA to kick your alcohol addiction, quit smoking because it will drastically shorten your life expectancy and get my take on