What we often think about money and why that isn't always correct

There are many stories circulating about money. Stories that sound logical but aren't always accurate. During Money Week 2026, we address several of these persistent misconceptions and show how things really stand.

What does having control over your money mean?

It doesn't happen automatically. Insights and clarity will get you further. With a few practical steps, anyone can create more financial peace of mind.

How to build strong finances step by step

Step 1 - Insight provides control

Having an overview of your income and expenses helps you identify risks and make conscious choices. Getting this overview yourself can sometimes be difficult. Ask the municipality of Voorst what assistance is available.

Step 2 - Build financial resilience

A small buffer protects against unexpected costs and prevents you from resorting to tempting but risky "solutions." This way, you avoid problems becoming larger than necessary.

Step 3 - Ask for help if you're unsure

Sometimes, it's difficult to keep track of your finances or debts on your own, you have questions about wage garnishment, or you're unsure whether a government payment notice is genuine. Professionals from the municipality of Voorst are happy to assist you. Taking the first step often brings quick relief and clarity.

Do you have questions or are you worried about your finances? It's better to ask one time too many than one time too few.

Misconceptions

Misconception 1

"Small amounts won't get you anywhere, so why start?"

Fact: Small steps can make a big difference in the long run. Once you gain insight into your daily expenses, you'll see how much room there is for savings. It starts with action, and every step counts. A financial buffer provides peace of mind, helps with unexpected costs, and ensures you maintain control over your finances.

Misconception 2

"It's pointless to do anything about my debts because it will take far too long anyway."

Fact: Many people wait years before seeking help for payment arrears or debts. The longer you wait, the bigger the problems can become. This can cause stress, affecting your physical and mental health. Having someone look at your situation with you can be incredibly helpful. Often, you'll find there are more solutions than you think, and clarity emerges quickly once you take the first step. The municipality can support you in this. Together, we work toward more peace of mind and clarity in your finances.

Misconception 3

"I can definitely recognize scams, even in online deals."

Fact: Half of the Dutch population claims they can easily recognize online scams. Yet, 9 out of 10 Dutch people don't always recognize online fraud. Professional-looking websites, convincing messages, and attractive online offers—technological advancements and AI make online scams increasingly difficult to spot. If you're unsure, have someone look at it with you before you pay or share your details.

WARNING: Managing money or a debit card for someone else can unintentionally make you a money mule, which is a criminal offense. Always ask for help if you're unsure.

(Almost) 18 years old? Here's what you need to know!

Turning 18 brings many changes. Legally, you're now an adult and responsible for your own finances. This means, among other things, that you must take out your own health insurance, apply for healthcare allowance, need a DigiD for official matters, and may need to arrange student finance or a side job.

The Dutch government has a handy online checklist that shows exactly what you need to arrange in your situation.

Did you know?

The rules for rent allowance will change significantly as of January 1, 2026. It will become easier to qualify for rent allowance because the strict maximum rent threshold will be abolished. This means more tenants will be eligible for a contribution toward housing costs. Try the calculation tool on the Tax Administration website.

Where can you go in the municipality of Voorst?

Frontoffice Social Support

• 0571-27 99 11 (option 1) (Monday to Friday 08:30 – 12:30)

Mens en Welzijn Voorst

De Formulierenbrigade and the Social Advocate provide assistance with, for example:

• Organizing and maintaining your administration
• Checking your allowances
• Applying for regulations
• Debt remission or tax filing
• Legal questions, such as drafting an objection
• More information: mensenwelzijn.nl

Stimenz

Stimenz offers free assistance with questions about:

• Making ends meet with your money
• Setting up suitable payment arrangements
• Budget coaching
• Debt assistance
• Contact the frontoffice for social support at the municipality of Voorst for this.

BerekenJeRecht Voorst

BerekenJeRecht is a free online tool that shows you within minutes which municipal regulations and national allowances you may be eligible for. Visit berekenjerecht.nl/voorst.

Geldfit

Geldfit is a free and anonymous advice platform where you can get tips, checks, and suitable assistance for all your money-related questions within minutes. Visit geldfit.nl.