The sooner money problems are tackled, the easier they are to solve. But there is no golden rule for success. It is therefore important to develop a vision and policy for your organization. What should you take into account?

Do you often have to deal with debts in your organization or municipality, then it is good to pay attention to it within your policy and to develop a vision as an organization. But even if you want to start a prevention project once, it is good to determine what you want to achieve and what the requirements are.

Determine vision

The vision is important, it will help you shape your approach soon: what do you want to do? First determine what you want to achieve. In order to be able to do that, it is good to visualize what problems are involved and how large the scale of the problem is.

In addition, you determine which you want to get started and with which you do not. For example, you can choose not to actively inform, but only clients who approach you by referring or supporting you. Another option is to work on the awareness of the personal pitfalls and problems of clients. Also important is the distinction between primary, secondary and tertiary prevention.


Prevent better than cure

More and more households are dealing with financial problems. This leads to personal difficulties and high social costs. It is therefore important to identify and solve (problematic) debt situations as early as possible, but better still: to prevent them. That is the core of prevention and the starting point of the Debt Prevention Guide, intended for municipalities and other debt counseling organizations to set up their policies.

Tip : The Debt Prevention Guide has been developed for municipalities and other debt counseling organizations. This document offers a practical step-by-step plan with tools for developing or setting up debt prevention.


Not only the size and the nature of the problems are important, also the groups in which the problems are most urgent or present. It is often expensive and inefficient to want to reach everyone. By analyzing who and when problems occur, you can work more effectively. For a housing corporation, it may be worthwhile to provide extra information in certain districts, or to opt for specific target groups.

Determine the target group

Determining a target group can be difficult. Bank can help you with this. The following risk groups emerge from the national data:

  • Young people with a low level of education
  • Single parents
  • Social minimums
  • Unemployed
  • Freelancers
  • Addicts or people with mental health problems

But homeowners and the elderly are also increasingly in trouble.

Life events

Life events are also a way to apply structure. Research shows that a life event is a trigger of financial problems. People are not paying enough attention to the financial changes. If they lose control of their money, the chances are that financial problems will arise. Information and guidance at a life event can prevent a lot of misery. For example, think of:

  • Divorce
  • Job loss
  • Going to live on yourself
  • Have children
  • Death partner
  • Move

Implementation of policy

On the basis of the choice of target group, form of prevention and the goal you pursue, you can give substance to your policy and strategic choices. So it is much easier to choose the right tool and to get started effectively.

Also think about your own role: to what extent can and do you want to guide you in solving problems? What other organizations are already doing something about tackling and solving financial problems? Creating a social map helps you to become familiar with the possibilities in your environment.