From overview settling your debts in10steps!

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Introduction

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Doesyour administration lookthis way?or

Doyou haveeverything infilesbut can you never find anything?

• Keeping upwith your administration isatough job,especially when it’s beenawhile!

• There areway’s,although they take some time,that make sure togive you that insight again andmakemoneyfor you too!

• Amessy administration gets you infinancial trouble moreandmore.After all youdon’t know whatkindofbills arecomming inofwhat iscosts if you don’tpay intimeor evennot alall.Eventually you will get notices,lettersfrom collect agencies or eventhebailiff.Nobodywantsthat!

• Your employer hasalotofwork with alltheattachments ofearnings that arecomming inandisevenatriskinprocessingthese!

Wegaanbeginnen!Veelsucces!

Advantages ofawell organized administration

3Moreadvantages ofawell organizes administration youwillfind on thenext page…

• Fact ofthematteristhat when isyou havelittle insight inyour administration,it ishardtoapply forbenefits like taxreturns or health-allowances, rent-allowances (zorgtoeslagandhuurtoeslag)

• Enough reasons tomake some timefor your administration.Inthis workshopwegive you ways tostartoptheprocess ofcleaning upyour administration andletyou keep insight ofit.

• Wearetrying tomake it simple andfun.Andhey…,Romewasn’t builtinone day!Dothis workshopatyour own pase.

• Areyou living together,then make two or eventhree administrations.One for yourself andone foryour partnerfor thetimebefore you were together.Andone since you were livingtogether.

Wegaanbeginnen!Veelsucces!

Advantages ofawell organized administration

3Off wego!Good luck!If you haveany problems,emailus!

• 2empty boxes or agrocerycrate.

• An empty table and/or floor.

• Five two-ring ordners(one for each year).

• Carton tabs(theones you can write on).

• Aperforator (one you can use for an A4format).

Haveyou found everything?

Step1What doyou need?

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Step2Collecting everything andsorting envelopes

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1. Collect alltheadministration you haveinyour home.Everywhere you putit,hid it,…find it andputit on thetable or inabox.Leave nothing behind!Dont’t forget anything.Empty allthose cupboardsanddwawers!

2. What you now need isan empty table or floor.

3. Sorting theenvelopes.Beginsorting theenvelopes,putall theenvelopes with thesame sender together,Tax (Belastingdienst),energy,your bank,subscriptions,etc.etc.You now haveseveral piles with thesame typeofenvelopes.Advertisements you don’t havetosave.

4. Throw empty envelopesandadvertisements inan empty box,wedon’t need that.

You better not dothis sorting outinthepresence oflittle children orpets…It might be abittoo much fun for them!

Step3Sort by sort

• You now havepiles ofenvelopes comming from differentsenders on your table or floor.

• Take one pile ofenvelopesandopenthem.Take theletterout,fold it openandputit inthemiddle ofthetable.You don’t havetoread it justyet.Justget it outoftheenvelope andputallthelettersinto one pile.Empty envelopes weputintheboxtothrow out.

• You now haveone pile ofletters.

• Take thenext pile ofenvelopesanddothesame thing.Putthis pile ofletterscriss/crosson thefirst pile ofletters.Only criss/crossfor thepiles not alltheletters!

Did you empty allpiles ofenvelopesanddid youmake pilesofletters?Very Good!

Onward tothenext step….!6

Step4-1Lettersinorderofentry

• Take one pile ofletters,theone on top.

• Lookatthefirst letterandfind thedateon it.

• Fromwhich year isthis letter?

• Doyouhavealetter from theyear 2014,make apile 2014.Doyou havealetter from 2015,make apile 2015etc.etc.Weadvise you toputyour administration into five ordners,this equals five years.This isvery handywhen you lookfor something,you instandly havetherightyear.This isespecially useful for yourincometax etc.

Ready for thenext page?

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• Asan examplewewill organize apile oflettersoftheyear 2014.Example:Doyouhavealetterwith thedateJuni21,2014,onewith thedateMay15,2014andonewith thedateNovember17,2014?Theletterwith dateMay15,2015istheoldest.This letterwill be atthebottem ofthis pile.,then June 21andNovember17.This isasocalled “chronological order” Theoldest letteron thebottem,thenewest on top.This way you can see rightaway whats going on andwhat thelatest letterisyou received.Dothis with toallthepiles with thesame sender.You’ll probably havepiles that arepretty thick,- usually from abailiff or theTax Office(Belastingdienst)-.Thesepiles youwill also havetobreakdown.

With lettersofabailiff take very good notice ofthefilenumber(dossiernummer).Putthesealltogether an then allletterswith thesame filenumber inchronological orderagain!Breaking downtax papersisanother ballgame!Wewill dothis atstep4-3.

Areyou ready with puttingeverything inchronological order?Good!! This wasavery tough part!

Step4-2Lettersinorderofentry

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Step4-3Organizing piles ofenvelopes oftheTax authorities

• LettersoftheTax Officeoften lookthesame,so they need tobe sorted outtomake things clear.• Wehavelettersconcerning: 1.Allowances -Health(zorgtoeslag)

-Rent(huurtoeslag)-Children (KindgebondenBudget)

2.Vehicle Tax (Motorrijtuigenbelasting) (Apeldoorn)3.Income Tax (Inkomstenbelasting)

• Firstfind althelettersconcerning allowances,vehicle tax,if you haveacar,andincome tax,if youdo your income tax an ofcourse havemail concerning this…

• On basisofthenumbers on thetax lettersyou can easily see about which allowance theletter isabout.Thefirst partisyour social securitynumber,socalled “BSN”,thesecond number tells you theyear it’s about.Inthenext linkyou can find thecodesandwhat it means for you:CodesoftheTax authorities

• Lookatthedateandputthem inchronological orderagain.• Make piles for allthetax topics,health,rent,etc.andputthem inchronological orderagain,like

wedid instep4-2.• This way you will get agood overview ofyour administration again!

Make sure you haveenough carton tabs!

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Step5What tokeep?

• If youhavetakenallthestepsit ispossible that you haveafewvery thick piles inchronologicalorder.Possibly there areletters that aredoubleinthepile, like exhortations ofthesame bill.Lookatthedossiernumbers!Checkthem!Olddoublenumbers can go!

• You don’t need tokeepeverything,but anything that hastotdowith tax,your salary,payslips,annual statements,theUWV,social security,warranty certificates, subscriptions,contracts,keepitfor atleast five years!

10Asaprivateperson you havetokeepyour administrationatleast fiveyears.Some things you havetokeepevenlonger,likemortgagepapers,loans,contracts etc.Atleast aslongastheir still relevant.

• Did you doallthepiles?Nowyou havetoplace them intheordners!

• It isbesttostartatthebackendoftheordner,that istheeasiest.• Inthebackoftheordner youwill putcontracts,insurance policies, thethings you don’t need that

often.Putthem intheordnerandon topofthat atabon which you write “lease”, car-policy,etc.

• On topofthis first pile you putlettersconcerning,internet,energy,water,etc.Every supplier gets his own tab!

Did you doallthepiles?Great!

• Write thenames ofthecompany on thetab,for instance Essent,Rent,Vodafone,Ziggo,UWV,Salaryslips….

• Inthefrontoftheordneryou placelettersyou often need,like thetax office,allowances etc.

You builtan ordnerlike that for each ofthefive years.

Step6How toputit intheordners/files?

11Doyou haveapartner?Make it ahabbit todiscuss youradministration every weekatacertain time!Andplease…,make itfun todotogether!

Step7-1“Make your own Budget”

• Did you write theyear theordnerisabout atthebackoftheordner?

• You now haveeverything placed intheordnersandnow you can easily make adigital summary ofyour income,fixed chargesandother spendings. Goto“Make your own Budget”http://www.socialeraadsvrouw.nl/budget You can only downloadthis on your computerisyouhavethelatest version ofExcel. If you don’t havethis you can fill intheform onlineensentit toyourself.

• This isasimple method toget an overview inallofyour income andspendings.It isan excelscedule that adds andcounts by itself.If you change an amount then thesum atthebottom changes too.*Readtheexplanation well!Some amountshavetobe devided by 12(months),like holiday payments,others you divide by 3(months)like child benefits.Holidaypayments you get once ayear,child benefits every threemonths.Allamounts havetobe calculated into amonthincome or month spending.

• You can change this programanytime youwant.Doesyour income change?Change it inthescedule,doesyour healthinsurance or rentchange,change it intheschedule! This way you keepupwith your administration!

Change newamounts immediately intheschedule of“Make your own Budget”!

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Step7-2“Make your own Budget”

• Beashonest aspossible an putallthenumbers tothepennyinthis scedule!

• Take alookatyour bankaccountan checkwhat youpay by cardanddeside what youneed for yourdaily groceries every month.Count allthecardpayments ofthelastthree months,add them upanddevide them by three…!You now havetheamount what you inaveragepay with yourbankcard.This will surely amaze you!

• If you fill in“Make your own Budget”,you’ll see exactly what isleft every month or what you fallshortandyou’ll see where you might havetocut backon.

• You can downloadtheschedule/form toyour desktopandchange it anytime you want.• Use it for everything;changes inyour income,change theamount intheform.• Learn towork with it!.

Try touse thebankmachineonly once aweek.Pay asmuch aspossibleincash!

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Step8What areyou entitled to?

After you filled in“Make your own Budget”you can simply checkwhat youareentitled toormissinginincome.After allnowyou haveallofyour administrative numbers together inonescedule.

Besides that our websiteat“Regelingen2017” hasalotofknowledge for you about finances,you can goto http://www.socialeraadsvrouw.nl/regelingen-en-voorzieningen-2018 and you’ll see afewusesful linkssuch as“berekenuwrecht”andthesocalled countinghelp allowances oftheTaxoffice.

• http://www.nibud.nl/consumenten/berekenuwrecht/• http://www.belastingdienst.nl/rekenhulpen/toeslagen/

Atthis lastlinkyou can easily see if your entitled tohealth- rent- or children allowances.You can dothetestyourself.You’ll need your annual income statementfor this.

So many people don’t know what their entitled to!

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Step9Keeping your payment agreements

• It isvery sensible toalways contactyour creditor,thecollectionagency or thebailiff.Puttingyourhead inthesand isnot an option!Stay incontactwith your creditor, this offersmorepossibilities toget agood payment agreement,moreso then not staying intouch.Inalotofcasesthecollection agency or thebailiff settle for asmall amount every month.

• If you filled in“Make your ownBudget”andyour debts arenot too highthan you can determinewhat amount you can use permonth tosettle your debt.

If you can pay a100euros according to“Make your ownBudget”andyou havetodevide thisamongstmultiplecreditors ,don’t offerthem thewhole 100,budmaybe 50or 70.You will always need somemoneyfor theunexpected.Otherwise you might not be able tokeeptheagreements youmadewith them.

15If it’s not possible topay all your debts within 36months ask your empoyer forhelp,he knows us andcan eventually ask us tohelp you!

Step10Keeping your payment agreements.

• If you use internetbanking,then lettheagreements you madefor your debts be paidautomatically.

• It isoff theessence that you keepabudgettotkeepyour payment agreements.• You can dothis by using acashjournal.

You can use our weekly cashjournal for this https://www.socialeraadsvrouw.nl/budget/kasboek/Aprovenmethod!

Theonly thing you need for this isan empty notebookandapen.Noexpensive accountbooks,justcommon sense andalittle bitofachange inyour behaviour.It’snot allowed tocheat,not evenalittle…!Asoff now you bring allthereceipts from everything you bought,keepthem andwrite it downinyour cashjournal.Knowwhat you spend!

• Readtheexplanationwell an devide theweekbudgetinto 7days!Calculate what you can spendevery day andvery important….!Try not tospend everything.Try tohavesome moneyleftoverattheendoftheweek.Putthis inamoneyboxor abankaccount.Turnit into asport!

• Donot gooveryour budget!

16Dothis together with your partneror your whole family.Doing thistogether ismuch morefun!Becreative!

What you really should do:1. Openyour paperandelectronic maildaily andputit inafixed placeor spot.2. You can viewbankslips online till upto ayear before.Evenbetter istojust letthebanksend them toyou or

printthem yourself every timeandkeepthem inafile,ofcourse again…chronologically.3. Checkyour bankslips.4. Pay you bills asmuch aspossible automatically.5. If one person does theadministration, tell your partnerwhat ishappeningan showthem too.Putallthe

mailfrom one weekinafixed placeandwork on this together.6. MostoftheDutchpeople havetotdotheir incometax every year.If you cannot dothis yourself, find a

reliable bookkeeper todoit for you or isyou areamember oftheunion, letthem doit.7. If you get another income,moreor less income,andyou haverent-,healthallowance or child-allowance,

chance this immediately atthetax authorities.This way you keepyourself from paying alotofmoneybackor getting not enough money.You´ll need asocalled DIGIDfor this.If you don´thaveaDIGID,request for one https://digid.nl/aanvragen

8. Doyou receive Childservices (babysitallowances)? Keepamonthly scedule ofthis, create agoodbookkeepingsystem about what you get andwhat you payed.Keepproof ofeverything anduse theordnersfor it!

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Good luck!

• Wehopethat with thehelpofthis workshopyouhavesucceeded inmaking agood administrationfor yourself andthat youareable tofind things andknow things about it.

• Arethere matters you would like toshare with us or doyouhavequestions about theworkshop?Letus know workshop@socialeraadsvrouw.nl

• Good luck inkeepingupagood administration!

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