Household Budget
Visit of "Krötenwerkstatt"
On 22nd June 2013, Gabriele Krings of „Krötenwerkstatt“ (a debt prevention project conducted by the SKM Lingen) visited the Volksbank Lingen eG together with a group of young people who are currently taking part in a vocational preparation training project of the Krötenwerkstatt.
"eibe e.V." projects
The "eibe e.V." specialises in the field of household and budget consultation for private households since 1995. This non-profit organization offers many workshops to diverse target groups. Examples of specific workshops targeting adolescents and young adults are:
Money moves the World
On Wednesday, 27th November 2013, 10th grade pupils of the Marienschule Lingen went into the town center of Lingen in order to ask people about their opinion on „money and consumption “.
Lisa S., story of my life
We often have to struggle through life …
This sentence still accompanies me; it definitely did in the past – thinking of all the barriers I had to break down a few years ago. Looking back in time you can see all that has happened and you have to make the best of it.
My story ….
The day I turned 18 I moved in together with my former boyfriend. I was so happy to finally leading my own life and to have my own flat together with my boyfriend. In the beginning, everything went very well, but then he went to work less and less. At that time he did a training as a cook, but in the end it was so bad that he lost his apprenticeship.
I’m female and I’m 21 years old.
Two years ago I’d never thought I could be in debt, but I ended up in debt before I even realised it. It all began two years ago.
Physical, mental and emotional effects of being in debt. How does debt occur?
Losing the job, failure of marriage, making a major purchase, this all can drive a person into debt. Regardless of how someone gets into debt, when resources are not sufficient to cover the expenses and the debt are perceived as unmanageable, it can have a negative effect on the well-being.
When living on a tight budget it can be difficult to make ends meet. Perhaps you need a realistic plan to pay off your debts, or you would like to start saving for short- or long-time goals.
Household Budget Template
Below is a simple household budget template, which should help you to categorize your expenditure, and prioritize your income and your expenses so that you can maintain your household income, and not fall into financial difficulty.
Top Tips for Feeding your Family on a Budget
With more Irish families feeling the effects of the European economic crisis, a new struggle they face is how to feed their families healthy, nutritious food on a budget.
