Handling your emotions during financial problems

Talk about your problems

When your head is full of problems, it is hard to look closely at your numbers. This is when talking to someone who looks at your situation with you can help. A fresh perspective provides an overview and that brings peace of mind. Sharing your worries is often the first step towards improvement.

Be kind to yourself

Entrepreneurs often set high goals and work hard. When things get tough financially, it sometimes feels like you are failing. But often the market changes or your goal was unrealistic. Look honestly at your expectations and remember that you are the heart of your business. Without you, your business does not exist.

Watch for signs of stress

Long-term money worries can cause stress, anxiety, or other psychological symptoms. Do not wait too long to seek help. Talk to someone you trust or contact an organisation that will listen to you. Asking for help is not a sign of weakness. It is an important step in regaining control of yourself and your business.

Help for you and your business

There are several organisations that help entrepreneurs with money worries, mental problems, or debt. They will listen to your story, give practical advice, or help you make a financial plan. Your municipality must also support entrepreneurs in debt. Together, you make a plan to get out of trouble.

Help with stress and psychological complaints

Various counsellors are there to help you with psychological complaints. You can find them here:

• De Luisterlijn
  This telephone line is available day and night for people who need to talk. Completely anonymous and confidential. The Luisterlijn can be reached on 0900 0767.
• MIND Korrelatie
  The psychologists and social workers of MIND Korrelatie offer anonymous, professional psychological and psychosocial help. They help you with mental complaints caused by financial problems and refer you if necessary. Call them on 0900 1450 or chat online.
• 113 Suicide Prevention
  The helpline 113 Suicide Prevention is available to you 24 hours a day. Do you have suicidal thoughts or know someone with this? Then there are experts to help you. The line is completely anonymous and can be reached on 0800 0113.
• MKB-noodlijn
  The MKB-noodlijn is for people who want advice or help with their business. This is an initiative of the entrepreneurs' association ONL and IMK. The line can be reached on 088 999 01 55.

Help with your business

• KVK Advice Team
  The KVK Advice Team listens and gives appropriate advice. If necessary, they refer you to other organisations. Telephone 088 585 22 22 on weekdays between 08:30 and 17:00.
• Entrepreneurs sounding board
  Former entrepreneurs, managers and specialists with a specific field of expertise join forces in the Entrepreneurs Sounding Board. Telephone 070 349 0600 on weekdays between 08:30 and 16:30.
• Your municipality
  If you have financial problems and are looking for help, contact the municipality where you live. They will make a plan with you to resolve your problems.  They also help you make arrangements to settle your debts. Such as an amicable settlement or debt restructuring. Call, email or visit the municipality where you live, and tell them you are looking for debt assistance.