Financial management – help with money matters and everyday planning

Financial concerns can affect anyone. When money runs out, bills are piling up or finances stress you out, it can feel overwhelming and affect your sleep and ability to cope. You might also be thinking about saving money or planning your finances better. You're not alone with these thoughts. Ohjaamo offers low-threshold financial advice – whether about bills, debts or savings. The earlier you tackle the challenge, the easier it is to get under control.

What should I do if I run out of money?

Financial challenges can be about many things: rent arrears, debts, instant loans, instalments or unexpected expenses, like a household appliance breaking down. Sometimes it's a question of income, sometimes the expenses have crept up without you noticing. At Ohjaamo, we will help you understand your financial situation and plan the next steps. Let's go through your income and expenses together and create a clear monthly budget if necessary.

We can talk about saving, loans, credit cards and paying on time. We can contact potential creditors to create payment plans. Help is also available for prolonged financial strain, such as a debt recovery procedure or bad credit record. Ohjaamo offers guidance for official financial and debt counselling, which is provided by the National Legal Services Agency. We can also discuss opportunities to receive support from the Guarantee Foundation, for example.

Support, benefits and help for anxiety

For many, the right benefits can ease the financial burden. Kela grants several benefits, such as student financial aid, housing allowance and social assistance. At Ohjaamo, we can help you find out which benefits you are entitled to and how applying works in practice. We will explain the difficult terms and help you fill out the forms.

Worrying about money often affects our mental well-being. If your financial situation is causing you stress, it's important to talk about it. At Ohjaamo, we listen to you and direct you to the outreach youth work or other suitable services if necessary. You can also visit the Well-being section of this website. Whether it's a small financial concern or a bigger worry, we are here to help you.