Assistance with financial problems

Financial concerns are a common problem in business and healthcare. According to Nibud, 21% of employees suffer from medium to serious payment problems - a situation that directly affects the employer and employee. Employees with financial problems experience stress, loss of concentration and more frequent absenteeism. This affects business operations, productivity and team dynamics.

Therefore we offer a personal intervention that helps employees to control their financial situation. This approach is aimed at sustainable solutions: not only eliminating debts, but teaching employees to deal with money again and take control themselves.

Progress
The intervention starts with an intake at a location of the employee's choice - at the office, at home or externally. The financial situation is mapped out and a personal improvement plan is drawn up.

Depending on the situation, one of the following approaches is used (via a new quotation):

• Budget coaching - the employee learns to put and keep things in order himself again. With practical guidance and support in administration, the employee discovers where the money is going and learns to keep a cash book. This provides insight into the flow of money and helps to regain financial independence more quickly.
• Debt relief - the financial situation is analyzed together with the debt counselor (debt level, fixed costs, income, repayment capacity). The debt counselor looks for solutions and can mediate between employee and creditors.
• Budget management - fixed costs are paid from your own income, payment arrangements are arranged, and the employee maintains 24/7 insight into his own finances and living allowance received.

Finalization and benefits
An employee who is financially stable performs better. The benefits are concrete: less absenteeism, higher concentration and productivity, better job security and less employee turnover. For the employee, it means a return to financial independence and less stress.

In addition, we offer training and workshops for managers and HR advisors under the title '365 days of financially fit employees' - for prevention and early signaling.